Car insurance rates in Las Cruces October 2025
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- Central Insurance provides the cheapest liability coverage at $19 per month in Las Cruces.
- Central Insurance offers the cheapest rates for full coverage insurance in Las Cruces at $100 per month.
Read on to learn more about car insurance price trends in Las Cruces. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Las Cruces
For drivers looking to meet Las Cruces minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liability insurance in Las Cruces
#1. Central Insurance: $19
#2. Central Mutual: $20
#3. USAA: $22
#4. Iowa Farm Bureau: $33
#5. Kemper: $37
Cheap full coverage in Las Cruces
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Las Cruces
#1. USAA: $100
#2. Encompass: $125
#2. State Farm: $125
#4. Progressive: $137
#5. Nationwide: $140
Impact of traffic violations on Las Cruces auto insurance rates
In Las Cruces, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Las Cruces may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Las Cruces after common driving violations.
- No violation: $164
- Not-at-fault accident: $171
- Failure to wear a seat belt: $181
- Speeding 6 - 10 MPH over limit: $198
- Speeding 21 - 25 MPH over limit: $205
- DUI: $317
- Reckless driving: $304
- Driving with a suspended license: $305
- Leaving scene of an accident/hit and run: $326
