- Car insurance in Las Cruces cost an average of $2,070 per year, or approximately $173 per month for full coverage.
- Las Cruces, NM, auto insurance averages $94 per year less than the New Mexico state average rate ($2,164) and $151 per year less than the rate average for the entire United States ($2,221).
- Models like the Kia Soul, Honda Passport, and Acura RDX are some of the best options for cheap car insurance in Las Cruces.
- A few models with the cheapest auto insurance in Las Cruces in their automotive segment include the Nissan Titan ($1,934 per year), Acura RDX ($1,730 per year), Chevrolet Colorado ($1,822 per year), and Honda Passport ($1,646 per year).
How much does car insurance cost in Las Cruces?
Average car insurance rates in Las Cruces, New Mexico, cost $2,070 per year, or around $173 per month. That’s 7% cheaper than the overall U.S. overall average rate of $2,221 per year.
The average car insurance expense in New Mexico is $2,164 per year, so Las Cruces, NM, drivers pay an average of $94 less per year than the overall New Mexico state-wide average rate. When prices are compared to other locations in New Mexico, the cost to insure a vehicle in Las Cruces is approximately $330 per year less than in Albuquerque, $146 per year cheaper than in Santa Fe, and $134 per year less than in Roswell.
The next chart shows average Las Cruces car insurance cost for all 2024 models. Rates are averaged for all Las Cruces Zip Codes and shown by driver age and policy deductible amounts.
The average cost of car insurance per month in Las Cruces is $173, with prices ranging from $121 to $404 for the average costs shown in the previous chart.
Car insurance rates are different for every driver and can also be significantly different between companies. This variability stresses the need for multiple auto insurance quotes when looking for a cheaper auto insurance policy.
The age of the rated driver has the biggest impact on the price of auto insurance. The list below details how age impacts cost by showing the difference in average car insurance rates in Las Cruces based on the age of the driver.
Las Cruces, New Mexico, car insurance cost for drivers age 16 to 60
- 16-year-old rated driver – $7,372 per year or $614 per month
- 17-year-old rated driver – $7,141 per year or $595 per month
- 18-year-old rated driver – $6,400 per year or $533 per month
- 19-year-old rated driver – $5,827 per year or $486 per month
- 20-year-old rated driver – $4,164 per year or $347 per month
- 30-year-old rated driver – $2,206 per year or $184 per month
- 40-year-old rated driver – $2,070 per year or $173 per month
- 50-year-old rated driver – $1,834 per year or $153 per month
- 60-year-old rated driver – $1,716 per year or $143 per month
The rates in the list above for insuring teenage drivers were based on the rated driver being male. The next chart gets more specific and shows the average cost for car insurance for teen drivers in Las Cruces by gender. In general, females have cheaper auto insurance rates, in particular for ages 20 and below.
Car insurance for a female 16-year-old driver in Las Cruces costs an average of $487 less per year than the cost for a 16-year-old male driver, while at age 19, the cost is still $901 less for a female driver.
The models that are popular in Las Cruces tend to be compact and midsize sedans like the Toyota Corolla and Kia K5 and compact and midsize SUVs like the Honda CR-V and Chevy Traverse.
A few additional popular models from different automotive segments include luxury SUVs like the Infiniti QX60 and Cadillac XT5, luxury cars like the Lexus ES 350 and Tesla Model S, and pickup trucks like the Ford F-150 and Chevy Silverado.
We explore more rates a little farther in this article, but before that, let’s take a condensed look at some of the key concepts we tackled so far in the article.
- Cost per month ranges from $143 to $614 – That is the average car insurance cost range for drivers aged 16 to 60 in Las Cruces.
- Car insurance costs less as you get older – Rates for a 50-year-old driver in Las Cruces are $2,330 per year cheaper than for a 20-year-old driver.
- Car insurance with low deductibles costs more – A 40-year-old driver pays an average of $670 more per year for $250 deductibles compared to $1,000 deductibles.
- Car insurance for teen drivers is expensive in Las Cruces – The average cost ranges from $4,926 to $7,372 per year for teen driver car insurance in Las Cruces.
- Las Cruces auto insurance rates are cheaper than the New Mexico state average – $2,070 (Las Cruces average) versus $2,164 (New Mexico average)
- Teen females pay less than teen males – Teenage female drivers age 16 to 19 pay $901 to $487 less each year than males of the same age.
Which vehicles have cheap insurance in Las Cruces?
The models with the most affordable car insurance rates in Las Cruces, NM, tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks.
Average car insurance prices for those vehicles cost $1,798 or less per year for a full coverage policy.
Some other vehicles that come in near the top in the cost comparison table are the Acura RDX, Volkswagen Taos, Honda HR-V, and Volkswagen Tiguan. Insurance rates are a little bit more for those models than the crossover SUVs that rank at the top, but they still have an average insurance cost of $1,929 or less per year, or around $161 per month.
The table below ranks the top 25 models with the cheapest car insurance rates in Las Cruces, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,528 | $127 |
| 2 | Chevrolet Trailblazer | $1,554 | $130 |
| 3 | Kia Soul | $1,614 | $135 |
| 4 | Nissan Kicks | $1,628 | $136 |
| 5 | Honda Passport | $1,646 | $137 |
| 6 | Buick Envision | $1,658 | $138 |
| 7 | Toyota Corolla Cross | $1,668 | $139 |
| 8 | Hyundai Venue | $1,680 | $140 |
| 9 | Mazda CX-5 | $1,688 | $141 |
| 10 | Ford Bronco Sport | $1,694 | $141 |
| 11 | Volkswagen Tiguan | $1,712 | $143 |
| 12 | Acura RDX | $1,730 | $144 |
| 13 | Nissan Murano | $1,738 | $145 |
| 14 | Buick Encore | $1,758 | $147 |
| 15 | Subaru Outback | $1,762 | $147 |
| 16 | Honda CR-V | $1,764 | $147 |
| 17 | Buick Envista | $1,768 | $147 |
| 18 | Volkswagen Taos | $1,772 | $148 |
| 19 | Kia Niro | $1,782 | $149 |
| 20 | Subaru Ascent | $1,798 | $150 |
| 21 | Toyota GR Corolla | $1,798 | $150 |
| 22 | Honda HR-V | $1,800 | $150 |
| 23 | Nissan Leaf | $1,812 | $151 |
| 24 | Chevrolet Colorado | $1,822 | $152 |
| 25 | Honda Civic | $1,830 | $153 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Las Cruces, NM Zip Codes. Updated June 26, 2025
A list of 25 of the cheapest vehicles to insure in Las Cruces is probably not the best way to present a complete summary of Las Cruces car insurance cost. Considering the fact that we rate over 700 vehicles, a ton of models get left out. Let’s dig a little deeper into the data and break out the cheapest models in a format that makes more sense, by vehicle segment.
The section below further discusses the cost of car insurance based on automotive segment. The rates shown will provide a good understanding of the vehicle segments that have the overall least expensive Las Cruces auto insurance rates. If you read beyond the chart, the next six sections display the most affordable rates for individual models for the primary segments.
Las Cruces auto insurance rates by automotive segment
If you’re shopping around for a different vehicle, it’s useful to have an idea of which categories of vehicles have better car insurance rates in Las Cruces. As an example, maybe you want to know if compact cars cost less to insure than midsize cars or if full-size pickups have cheaper insurance than midsize pickups.
The chart below displays average car insurance cost by vehicle segment in Las Cruces. When comparing rates from a segment perspective, small SUVs, vans, and midsize pickups have the least expensive rates, while sports cars and performance luxury models have the most expensive overall car insurance rates.
Average rates by segment are useful for getting a ballpark comparison, but insurance rates for specific models range quite significantly within each segment shown in the chart above.
For example, in the small car segment, auto insurance rates in Las Cruces range from the Toyota GR Corolla at $1,798 per year for a full coverage policy up to the Toyota Mirai costing $2,576 per year, a difference of $778 within that segment.
In the large luxury SUV segment, the average cost of insurance ranges from the Infiniti QX80 costing $2,318 per year up to the Mercedes-Benz G63 AMG costing $4,446 per year.
In the next sections, we eliminate this variability by analyzing the cost of car insurance in Las Cruces at the model level rather than the segment level.
Cheapest car insurance rates in Las Cruces
The top-ranked vehicle in Las Cruces for the most affordable average insurance rates in the 2-door and 4-door sedan and hatchback segment is the Toyota GR Corolla, costing an average of $1,798 per year. Second place is the Nissan Leaf at $1,812 per year, and in third place is the Honda Civic, at an average of $1,830 per year.
Not the cheapest cars to insure, but still very reasonable, are cars like the Chevrolet Malibu, Toyota Prius, Toyota Corolla, and Kia K5, with average insurance cost of $2,016 per year or less.
In the lower half of the top 20 cars to insure, models like the Nissan Versa, Hyundai Sonata, Kia Forte, Volkswagen Jetta, and Mazda 3 cost between $2,016 and $2,140 per year to insure.
Full-coverage car insurance in this segment for a middle-age safe driver starts at an average of $150 per month, depending on the company.
When the car segment is analyzed by vehicle size, the cheapest compact car to insure in Las Cruces is the Toyota GR Corolla at $1,798 per year, or $150 per month. For midsize cars, the Kia K5 is cheapest to insure at $1,994 per year, or $166 per month. And for full-size sedans, the Chrysler 300 has the most affordable rates at $1,972 per year, or $164 per month.
The comparison table below ranks the cars with the cheapest car insurance in Las Cruces, starting with the Toyota GR Corolla at $1,798 per year and ending with the Mazda 3 at $2,140 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,798 | $150 |
| Nissan Leaf | Compact | $1,812 | $151 |
| Honda Civic | Compact | $1,830 | $153 |
| Nissan Sentra | Compact | $1,896 | $158 |
| Subaru Impreza | Compact | $1,902 | $159 |
| Toyota Prius | Compact | $1,934 | $161 |
| Kia K5 | Midsize | $1,994 | $166 |
| Honda Accord | Midsize | $1,998 | $167 |
| Chevrolet Malibu | Midsize | $2,006 | $167 |
| Toyota Corolla | Compact | $2,016 | $168 |
| Kia Forte | Compact | $2,020 | $168 |
| Volkswagen Arteon | Midsize | $2,032 | $169 |
| Nissan Versa | Compact | $2,040 | $170 |
| Subaru Legacy | Midsize | $2,042 | $170 |
| Hyundai Ioniq 6 | Midsize | $2,058 | $172 |
| Mitsubishi Mirage G4 | Compact | $2,088 | $174 |
| Volkswagen Jetta | Compact | $2,092 | $174 |
| Toyota Crown | Midsize | $2,094 | $175 |
| Hyundai Sonata | Midsize | $2,096 | $175 |
| Mazda 3 | Compact | $2,140 | $178 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Las Cruces, NM Zip Codes. Updated June 27, 2025
For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Las Cruces car insurance quotes from top-rated companies in New Mexico.
Cheapest SUV insurance rates in Las Cruces, New Mexico
Ranked at #1 in Las Cruces for the lowest-cost insurance in the non-luxury SUV segment is the Subaru Crosstrek, with an average cost of $1,528 per year. Second place is the Chevrolet Trailblazer at $1,554 per year, the third most affordable is the Kia Soul, at an average of $1,614 per year, and in fourth place is the Nissan Kicks, at an average of $1,628 per year.
Additional SUVs that have cheaper rates include the Mazda CX-5, Buick Envision, Ford Bronco Sport, and Hyundai Venue, with an average cost of $1,694 per year or less.
Full-coverage car insurance in this segment for a good driver can cost as low as $127 per month, depending on your company and location.
If vehicle size is considered, the most affordable compact SUV to insure in Las Cruces is the Subaru Crosstrek at $1,528 per year. For midsize models, the Honda Passport has the best rates at $1,646 per year. And for full-size SUVs, the Chevrolet Tahoe has the best rates at $1,942 per year.
The comparison table below ranks the SUVs with the most affordable average insurance rates in Las Cruces, starting with the Subaru Crosstrek at $1,528 per year ($127 per month) and ending with the Subaru Ascent at $1,798 per year ($150 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,528 | $127 |
| Chevrolet Trailblazer | Compact | $1,554 | $130 |
| Kia Soul | Compact | $1,614 | $135 |
| Nissan Kicks | Compact | $1,628 | $136 |
| Honda Passport | Midsize | $1,646 | $137 |
| Buick Envision | Compact | $1,658 | $138 |
| Toyota Corolla Cross | Compact | $1,668 | $139 |
| Hyundai Venue | Compact | $1,680 | $140 |
| Mazda CX-5 | Compact | $1,688 | $141 |
| Ford Bronco Sport | Compact | $1,694 | $141 |
| Volkswagen Tiguan | Compact | $1,712 | $143 |
| Nissan Murano | Midsize | $1,738 | $145 |
| Buick Encore | Compact | $1,758 | $147 |
| Subaru Outback | Midsize | $1,762 | $147 |
| Honda CR-V | Compact | $1,764 | $147 |
| Buick Envista | Midsize | $1,768 | $147 |
| Volkswagen Taos | Compact | $1,772 | $148 |
| Kia Niro | Compact | $1,782 | $149 |
| Subaru Ascent | Midsize | $1,798 | $150 |
| Honda HR-V | Compact | $1,800 | $150 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Las Cruces, NM Zip Codes. Updated June 27, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Don’t see rates for your SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in New Mexico.
Cheapest pickups to insure in Las Cruces, NM
The Chevrolet Colorado comes in at #1 as the most affordable pickup truck to insure in Las Cruces, followed by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model averages $1,822 per year for full-coverage insurance.
Other models that have cheaper rates are the GMC Canyon, GMC Sierra 2500 HD, Toyota Tacoma, and Honda Ridgeline, with average rates of $2,128 per year or less.
Full-coverage car insurance in this segment for a middle-age safe driver starts at around $152 per month, depending on the company and where you live.
The table below ranks the twenty pickups with the cheapest insurance rates in Las Cruces, starting with the Chevrolet Colorado at $1,822 per year ($152 per month) and ending with the Ram Truck at $2,394 per year ($200 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,822 | $152 |
| Nissan Titan | Full-size | $1,934 | $161 |
| Nissan Frontier | Midsize | $1,958 | $163 |
| Ford Ranger | Midsize | $1,978 | $165 |
| Ford Maverick | Midsize | $2,008 | $167 |
| Honda Ridgeline | Midsize | $2,054 | $171 |
| Hyundai Santa Cruz | Midsize | $2,088 | $174 |
| Toyota Tacoma | Midsize | $2,096 | $175 |
| GMC Sierra 2500 HD | Heavy Duty | $2,104 | $175 |
| GMC Canyon | Midsize | $2,128 | $177 |
| Jeep Gladiator | Midsize | $2,180 | $182 |
| GMC Sierra 3500 | Heavy Duty | $2,192 | $183 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,212 | $184 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,270 | $189 |
| Chevrolet Silverado | Full-size | $2,284 | $190 |
| GMC Sierra | Full-size | $2,284 | $190 |
| Nissan Titan XD | Heavy Duty | $2,288 | $191 |
| Ford F150 | Full-size | $2,314 | $193 |
| GMC Hummer EV Pickup | Full-size | $2,374 | $198 |
| Ram Truck | Full-size | $2,394 | $200 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Las Cruces, NM Zip Codes. Updated June 27, 2025
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Looking for rates for a different pickup? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Las Cruces car insurance quotes from the best auto insurance companies in New Mexico.
Cheapest luxury car insurance rates in Las Cruces, NM
The top five models for the most affordable Las Cruces auto insurance rates in the luxury car segment are the BMW 330i, Acura Integra, Acura TLX, Lexus IS 300, and Mercedes-Benz CLA250. Car insurance rates for these vehicles average $2,140 or less per year.
Other luxury cars that rank well include the Lexus RC 300, Genesis G70, Lexus ES 350, and Cadillac CT4, with an average cost of $2,174 per year or less.
Car insurance rates in Las Cruces for this segment for a good driver starts at an average of $153 per month, depending on your location.
If insurance rates are ranked by vehicle size, the cheapest small luxury car to insure in Las Cruces is the Acura Integra at $1,840 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,130 per year. And for large luxury cars, the Audi A5 is most affordable to insure at $2,458 per year.
The table below ranks the twenty luxury cars with the lowest-cost average car insurance rates in Las Cruces.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,840 | $153 |
| BMW 330i | Compact | $2,108 | $176 |
| Mercedes-Benz CLA250 | Midsize | $2,130 | $178 |
| Lexus IS 300 | Midsize | $2,134 | $178 |
| Acura TLX | Compact | $2,140 | $178 |
| Lexus ES 350 | Midsize | $2,160 | $180 |
| Cadillac CT4 | Compact | $2,162 | $180 |
| Genesis G70 | Compact | $2,166 | $181 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,170 | $181 |
| Lexus RC 300 | Midsize | $2,174 | $181 |
| Lexus IS 350 | Compact | $2,184 | $182 |
| Jaguar XF | Midsize | $2,188 | $182 |
| Cadillac CT5 | Midsize | $2,230 | $186 |
| Lexus ES 250 | Midsize | $2,238 | $187 |
| Lexus RC 350 | Compact | $2,244 | $187 |
| BMW 330e | Compact | $2,246 | $187 |
| BMW 228i | Compact | $2,250 | $188 |
| BMW 230i | Compact | $2,268 | $189 |
| Lexus ES 300h | Midsize | $2,272 | $189 |
| Audi S3 | Compact | $2,318 | $193 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Las Cruces, NM Zip Codes. Updated June 26, 2025
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Is your vehicle not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Las Cruces car insurance quotes from top auto insurance companies in New Mexico.
Cheapest luxury SUV insurance rates in Las Cruces
The #1 ranking in Las Cruces for cheapest insurance in the luxury SUV segment is the Acura RDX, with an average cost of $1,730 per year. Second place is the Lexus NX 250 costing $1,830 per year, the third most affordable is the Cadillac XT4, at an average of $1,868 per year, and the fourth most affordable is the Jaguar E-Pace, costing an average of $1,934 per year.
Not the cheapest, but still in the top 10, are SUVs like the Lincoln Corsair, Lexus NX 450h, Mercedes-Benz GLB 250, and Lexus UX 250h, with an average cost to insure of $1,994 per year or less.
Additional luxury SUVs that make the list include the Lexus RX 350, Mercedes-Benz GLA250, Land Rover Evoque, and Infiniti QX60, which average between $1,994 and $2,078 per year for auto insurance.
From a cost per month standpoint, full-coverage auto insurance in Las Cruces on this segment for a middle-age safe driver will start around $144 per month, depending on your company and location.
The lowest-cost compact luxury SUV to insure in Las Cruces is the Acura RDX at $1,730 per year. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $1,934 per year. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,318 per year.
The table below ranks the twenty SUVs with the lowest-cost car insurance rates in Las Cruces, starting with the Acura RDX at $1,730 per year ($144 per month) and ending with the Lexus RX 350 at $2,078 per year ($173 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,730 | $144 |
| Lexus NX 250 | Compact | $1,830 | $153 |
| Cadillac XT4 | Compact | $1,868 | $156 |
| Jaguar E-Pace | Midsize | $1,934 | $161 |
| Cadillac XT5 | Midsize | $1,952 | $163 |
| Lexus NX 350h | Compact | $1,952 | $163 |
| Lincoln Corsair | Compact | $1,976 | $165 |
| Mercedes-Benz GLB 250 | Compact | $1,980 | $165 |
| Lexus UX 250h | Compact | $1,984 | $165 |
| Lexus NX 450h | Compact | $1,994 | $166 |
| Infiniti QX50 | Midsize | $2,010 | $168 |
| Mercedes-Benz GLA250 | Compact | $2,018 | $168 |
| Cadillac XT6 | Midsize | $2,024 | $169 |
| Mercedes-Benz GLA35 AMG | Compact | $2,024 | $169 |
| Infiniti QX60 | Midsize | $2,036 | $170 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,038 | $170 |
| Land Rover Evoque | Compact | $2,066 | $172 |
| Acura MDX | Midsize | $2,068 | $172 |
| Lexus NX 350 | Compact | $2,074 | $173 |
| Lexus RX 350 | Midsize | $2,078 | $173 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Las Cruces, NM Zip Codes. Updated June 27, 2025
See our guides for luxury SUV insurance to compare rates for additional makes and models.
Need rates for a different luxury SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Las Cruces car insurance quotes from the best auto insurance companies in New Mexico.
Cheapest sports cars to insure in Las Cruces, NM
The top five models for the cheapest Las Cruces car insurance rates in the performance and sports car segment are the Toyota GR86, BMW Z4, Mazda MX-5 Miata, Subaru WRX, and Ford Mustang. Insurance rates for these 2024 models average $2,322 or less per year.
Additional sports cars that rank well in our comparison include the Nissan Z, Lexus RC F, Toyota GR Supra, and Subaru BRZ, with average annual insurance rates of $2,474 per year or less.
From a monthly standpoint, car insurance rates on this segment in Las Cruces for the average driver can cost as low as $160 per month, depending on where you live.
The table below ranks the twenty sports cars with the most affordable average auto insurance rates in Las Cruces, starting with the Mazda MX-5 Miata at $1,914 per year and ending with the Porsche Taycan at $3,504 per year.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,914 | $160 |
| Toyota GR86 | Sports Car | $2,180 | $182 |
| Ford Mustang | Sports Car | $2,272 | $189 |
| BMW Z4 | Sports Car | $2,286 | $191 |
| Subaru WRX | Sports Car | $2,322 | $194 |
| Toyota GR Supra | Sports Car | $2,324 | $194 |
| BMW M2 | Sports Car | $2,390 | $199 |
| Nissan Z | Sports Car | $2,398 | $200 |
| Lexus RC F | Sports Car | $2,444 | $204 |
| Subaru BRZ | Sports Car | $2,474 | $206 |
| BMW M3 | Sports Car | $2,614 | $218 |
| Porsche 718 | Sports Car | $2,664 | $222 |
| Chevrolet Camaro | Sports Car | $2,690 | $224 |
| Chevrolet Corvette | Sports Car | $2,866 | $239 |
| Porsche 911 | Sports Car | $2,964 | $247 |
| BMW M4 | Sports Car | $3,088 | $257 |
| Lexus LC 500 | Sports Car | $3,104 | $259 |
| Jaguar F-Type | Sports Car | $3,264 | $272 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,424 | $285 |
| Porsche Taycan | Sports Car | $3,504 | $292 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Las Cruces, NM Zip Codes. Updated June 27, 2025
Don’t see your sports car in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Las Cruces.
Price variation for driver risk
To help clarify the amount that car insurance prices can change from one driver to the next (and also emphasize the importance of accurate rate quotes), the charts below visualize comprehensive rates for four popular vehicles in Las Cruces: the Ram Truck, Toyota Corolla, Nissan Rogue, and Honda Pilot.
Each example uses a range of risk profiles to demonstrate how much prices can vary when rated for different driver profiles.
Ram Truck insurance rates
Auto insurance for a Ram Truck in Las Cruces costs an average of $2,394 per year, or about $200 per month, and has a range of $1,984 to $5,512 per year.
The Ram Truck is considered a full-size truck, and other models popular in Las Cruces include the GMC Sierra, Ford F150, and Chevrolet Silverado.
Toyota Corolla insurance rates
Auto insurance for a Toyota Corolla in Las Cruces costs an average of $2,016 per year (about $168 per month) and varies from $1,672 to $4,622.
The Toyota Corolla is considered a compact car, and other popular models include the Nissan Sentra, Honda Civic, and Chevrolet Cruze.
Nissan Rogue insurance rates
Insurance for a Nissan Rogue in Las Cruces averages $1,860 per year, or around $155 per month, and varies from $1,546 to $4,250.
The Nissan Rogue belongs to the compact SUV segment, and other similar models include the Mazda CX-5, Ford Escape, and Honda CR-V.
Honda Pilot insurance rates
Car insurance for a Honda Pilot in Las Cruces averages $2,014 per year ($168 per month) and varies from $1,674 to $4,654 per year for the different driver profiles shown in the cost chart below.
The Honda Pilot belongs to the midsize SUV segment, and additional similar models from the same segment include the Toyota Highlander, Ford Explorer, and Ford Edge.
How to save on car insurance in Las Cruces
Drivers are always searching for ways to save money on insurance, so study the savings concepts below and see if you can save some money when buying car insurance.
- Shop around for a better deal. Take a couple of minutes to get free car insurance quotes is our best recommendation for saving the most money. Rates change more often that you might think and you do not have to wait for your renewal to change companies.
- Obey the law to get lower rates. If you want to get the cheapest auto insurance in Las Cruces, it’s necessary to be a good, safe driver. Just a couple of traffic citations could end up increasing policy cost as much as $550 per year. Major misdemeanors such as hit-and-run could raise rates by an additional $1,918 or more.
- Remove unneeded coverage on older cars. Removing comprehensive and/or collision coverage from vehicles that are older can reduce the cost of car insurance significantly.
- Compare auto insurance rates before buying a car. Different vehicles have very different car insurance rates, and auto insurance companies can sell policies with widely varying rates. Get quotes to compare the cost of insurance before you purchase in order to prevent price shock when you see your first insurance bill.
- Choose vehicles that have low cost insurance. Vehicle type has a big impact on the cost of car insurance in Las Cruces. For example, a Honda CR-V costs $1,200 less per year to insure in Las Cruces than a Porsche 911. Less performance means less cost.
- Stay claim free. Auto insurance companies reduce rates a little if you have not filed any claims. Auto insurance should only be used to protect you from larger claims, not small claims that can be paid out-of-pocket.
- Fewer accidents means cheaper auto insurance rates. Multiple at-fault accidents raise rates, possibly by an additional $2,952 per year for a 20-year-old driver and even $858 per year for a 40-year-old driver. So drive safe and save money!