Car Insurance in Las Cruces, NM
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Las Cruces is a mid-sized city located just north of El Paso, TX, and south of Hatch, NM, and is home to a little more than 100,000 people. Interstate highways I-10 and I-25 run through the city, bringing with them a large amount of daily traffic. There is also a significant amount of construction in the area, which leads to congestion and accidents.
Las Cruces encourages residents and visitors to explore the city using available public transportation options. The city's RoadRUNNER Transit provides public transportation via bus in Las Cruces. It also offers Dial-a-Ride door-to-door service for qualified individuals. Both the paratransit and fixed route buses are completely free thanks to the RoadRUNNER Transit zero fare program. All buses feature bike racks to make it easy to finish your trip.
TRIP estimates that Las Cruces commuters lose an average of 19 hours per year sitting in construction traffic. Considering the city's average one-way commute time is 19.1 minutes. that's a substantial amount of time on the road. All of that traffic makes having the right car insurance in Las Cruces crucial to protecting your car and finances.
Like most other states, New Mexico requires its drivers to purchase liability insurance. This pays for medical care for injuries or repairs for damaged personal property if you cause an accident. Liability coverage does not pay for repairs to your vehicle. State coverage minimums are:
As you can imagine, the costs of an accident can easily exceed these minimums. For that reason, many drivers choose to purchase higher policy limits.
Collision and comprehensive insurance coverages can fill gaps and make it affordable to fix your car after an accident or covered loss. As its name implies, collision pays after an auto accident with another car or a fixed object, such as a light pole. Comprehensive pays for repairs related to non-crash events, such as flooding, theft or hitting an animal.
The average premium for Las Cruces car insurance with full coverage is $916 per year. If you opt for a minimum required coverage policy, the average price drops to $405 per year. That is only slightly higher than the state average for a driver with good credit and a clean driving record. However, factors such as your personal credit, driving history and the amount and type of driving you do can significantly impact your costs.
Drivers have several options to save on car insurance in Las Cruces. Many of them are relatively easy to implement. If you are facing sticker shock at your auto insurance costs, consider the following ways to save:
The right car insurance in Las Cruces is vital to protecting your finances and making repairs after an accident. Let a VIU by HUB agent show you policies and rates from several carriers so you can compare them and choose one that fits your driving style and budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
