Cheapest Cars to Insure for 2024 in Clovis, New Mexico

• For the cheapest auto insurance in Clovis, compact crossovers and SUVs like the Toyota Corolla Cross, Nissan Kicks, and Chevrolet Trailblazer have some of the cheapest rates.
• A few models with the most affordable car insurance for their automotive segment include the Nissan Titan ($131 per month), Jaguar E-Pace ($131 per month), Honda Passport ($112 per month), and Subaru Crosstrek ($104 per month).
• Clovis, NM, car insurance costs $84 per year more than the New Mexico state average cost ($1,598) and $201 per year less than the average for all 50 states ($1,883).

Cheapest car insurance in Clovis, NM

The models with the most affordable auto insurance rates in Clovis tend to be crossovers and small SUVs like the Kia Soul, Subaru Crosstrek, and Buick Envision.

Average auto insurance quotes for models that make the top 10 cost $1,376 or less per year ($115 per month) for a full coverage policy.

A few other vehicles that are ranked high in the cost comparison table are the Honda CR-V, Subaru Outback, Ford Bronco Sport, and Nissan Murano.

Insurance is slightly higher for those models than the cheapest crossover SUVs at the top of the rankings, but they still have average rates of $1,440 or less per year, or $120 per month.

The table below details the cheapest vehicles to insure in Clovis, New Mexico.

A few other popular models making the list of the top 30 above include the Acura Integra, Honda Civic, Volkswagen Atlas, Honda HR-V, and Subaru Ascent. Insurance rates for those models cost between $1,440 and $1,498 per year in Clovis for a middle-age driver with a solid driving record.

In contrast, some of the models that have more expensive car insurance rates include the Hyundai Nexo at an average of $155 per month, the Audi S3 at an average of $157, and the Tesla Model X at an average of $176.

Cheapest car insurance rates by vehicle type

When comparing new or used vehicles, it’s a good idea to have a basic understanding of which types of vehicles have more favorable auto insurance rates. For example, if you’re shopping for a family vehicle, it’s smart to know which size of SUV or maybe even which minivan is cheapest to insure.

The chart below shows the average cost of auto insurance rates in Clovis for each of the different vehicle segments. Typically, compact SUVs, vans, and midsize pickups tend to have the least expensive average rates, while sports cars and performance luxury models have the most expensive average cost to insure.

These general rates make for a good starting point, but the variation within each segment shows why it’s much better to compare rates for specific models rather than the segment as a whole.

For example, in the small luxury car segment, rates range from the Acura Integra costing $1,494 per year for a full coverage policy to the BMW M340i at $2,052 per year, a difference of $558 within that segment.

In the midsize luxury SUV segment, average rates vary from the Jaguar E-Pace at $1,572 per year up to the Mercedes-Benz AMG GLE63 costing $2,832 per year, a difference of $1,260 within that segment.

Lastly, in the small SUV segment, rates range from the Subaru Crosstrek at $1,242 per year up to the Ford Mustang Mach-E at $1,964 per year.

Comparing car insurance is not difficult, but when you realize that similar models can have dramatically different rates, it can help you avoid sticker shock when you buy your first policy.

How much does car insurance cost in Clovis?

Average auto insurance cost in Clovis is $1,682 per year, or approximately $140 per month for a full coverage policy. It costs 11.3% less to insure the average vehicle in Clovis, NM, than the U.S. overall average rate of $1,883.

In New Mexico, average auto insurance cost is $1,598 per year, so the cost of car insurance in Clovis is $84 more per year.

The average cost of insurance in Clovis compared to other New Mexico cities is around $30 per year less than in Rio Rancho, $150 per year cheaper than in Albuquerque, and $184 per year more expensive than in Farmington.

The chart below shows average auto insurance cost in Clovis, NM, for all 2024 models. Rates are averaged for all Clovis Zip Codes and shown by driver age and policy deductible limits.

The average cost of auto insurance per month in Clovis is $140, and ranges from $98 to $327 for drivers age 20 to 60 and policy deductibles from $250 to $1,000.

Driver age is one of the largest influencers on the cost of car insurance, so the list below illustrates this by breaking out average car insurance rates for driver ages from 16 to 60.

Average cost of car insurance in Clovis, NM, by driver age

• 16-year-old rated driver – $5,982 per year or $499 per month
• 17-year-old rated driver – $5,796 per year or $483 per month
• 18-year-old rated driver – $5,192 per year or $433 per month
• 19-year-old rated driver – $4,727 per year or $394 per month
• 20-year-old rated driver – $3,378 per year or $282 per month
• 30-year-old rated driver – $1,792 per year or $149 per month
• 40-year-old rated driver – $1,682 per year or $140 per month
• 50-year-old rated driver – $1,490 per year or $124 per month
• 60-year-old rated driver – $1,394 per year or $116 per month

The previous rates shown for insuring teen drivers age 16 to 19 were based on the rated driver being male. The next chart gets more specific and breaks out average car insurance cost for teenagers in Clovis by gender. Female drivers tend to have slightly cheaper car insurance rates, especially at younger ages.

Auto insurance for a female 16-year-old driver in Clovis costs an average of $397 less per year than the cost to insure a 16-year-old male driver, while at age 19, the cost difference is smaller but females still pay an average of $729 less per year.

Car insurance cost for popular vehicles

The cheapest cars to insure are not always the most popular models, so the list below details average insurance cost by year and month in Clovis for some of the best-selling vehicles in the area.

Average annual and monthly car insurance cost for popular vehicles in Clovis, NM

• Toyota Highlander – $1,641 per year ($137 per month)
• Hyundai Elantra – $1,956 per year ($163 per month)
• Honda CR-V – $1,536 per year ($128 per month)
• Chevrolet Equinox – $1,659 per year ($138 per month)
• Jeep Wrangler – $2,053 per year ($171 per month)
• Nissan Altima – $1,953 per year ($163 per month)
• Ford Escape – $1,644 per year ($137 per month)
• Nissan Sentra – $1,649 per year ($137 per month)
• Honda Accord – $1,743 per year ($145 per month)
• Subaru Forester – $1,611 per year ($134 per month)

There are obviously a lot more popular models, so if the one you’re looking for is not in the list, simply click the ‘Choose your vehicle‘ link in the site navigation (or just click the link provided) to explore rates for more models.

The following is a quick summary of some of the concepts we covered in this article.

• Auto insurance for a teenager costs a lot – Rates can range from $3,998 to $5,982 per year to insure a teenage driver in Clovis, NM.
• Low deductible auto insurance costs more – A 50-year-old driver pays an average of $700 more per year for a policy with $250 deductibles versus $1,000 deductibles.
• Monthly car insurance cost ranges from $116 to $499 – That’s the average auto insurance cost range for insured drivers age 16 to 60 in Clovis.
• Auto insurance gets more affordable as you get older – Auto insurance rates for a 40-year-old driver in Clovis are $1,696 per year cheaper than for a 20-year-old driver.
• Teen girls have cheaper rates than teenage males – Teen females (age 16 to 19) pay $729 to $397 less per year than their male counterparts.
• Clovis car insurance costs less than the U.S. average – $1,682 (Clovis average) compared to $1,883 (U.S. average)
• Car insurance rates drop considerably between ages 20 and 30 – The average 30-year-old Clovis, NM, driver will pay $1,586 less per year than a 20-year-old driver, $1,792 compared to $3,378.