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Best Local Car Insurance Agencies in Las Cruces

2024

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Providers

Last updated:

Website
156 Wyatt Drive, Las Cruces, NM 88005
  • Bundling Option
  • Motorcyle & ATV
  • RV & Motorhome

Why choose this provider?

McGonigle Insurance, a local and family-owned business, has been servicing the Las Cruces area since 1953. Its team of insurance and risk management professionals handles the car insurance needs of individuals, families, and businesses in the community. It helps clients shop for the most suitable policy based on their needs, covering physical damages, injuries to both parties, and other financial liability in the event of an accident. The other products it offers include special vehicle, commercial, home, and renters' insurance. The company is also licensed to operate in Texas.

License Verified:

License: 1288302

New Mexico Regulation and Licensing Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6006 North Mesa Street, El Paso, TX 79912
  • Multiple Carriers

Why choose this provider?

Daniel Call is a State Farm agent that caters to clients in Las Cruces and the nearby areas. He provides personal insurance services, including car insurance plans for teen drivers, rental cars, and sports cars. These can cover collision, comprehensive, rental, and rideshare insurance. Additionally, he offers policies for homes and businesses and deals with mutual funds and annuities. He manages a 600-million-dollar budget as a trustee at the El Paso Independent School District.

License Verified:

License: 3000907482

New Mexico Regulation and Licensing Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (22)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1121 Mall Drive, Las Cruces, NM 88011
  • Multiple Carriers

Why choose this provider?

Grindell & Romero Insurance is an insurance agency that specializes in home, life, auto, and business insurance products in Las Cruces. With over 130 years of experience in the insurance industry, it has branched out to service neighboring states Texas and Arizona. It writes auto insurance policies that protect clients and vehicles from physical damages, collisions, and bodily injury liabilities. Grindell & Romero Insurance is an independent insurance agency and is partnered with the top 20 insurance providers in the country.

License Verified:

License: 1800004768

New Mexico Regulation and Licensing Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (167)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1591 East Lohman Avenue, Las Cruces, NM 88001
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Why choose this provider?

Bernal Insurance Group is a locally owned and operated independent agency that works with a network of trusted carriers in order to provide car insurance coverages for clients in Las Cruces and the rest of the state. The insurance carriers the agency represents include Allied Insurance, Progressive, Dairyland Auto, and Safeway. In business for more than 27 years, the agency offers consultation and a review of available insurances over the phone or through the agency's website.

License Verified:

License: 1800006785

New Mexico Regulation and Licensing Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.1 / 5 (63)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
784 Clay Court, El Paso, TX 79932
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

Why choose this provider?

ICI Insurance Agency specializes in insurance for vehicles traveling to Mexico and other countries in Central and South America. The agency, which started in 1989 as an RV tour operation in need of insurance for its own vehicles, was able to build its own network of carriers to offer car policies to other people. ICI Insurance Agency's team offers two auto insurance plans—the full coverage policy for a comprehensive program and the liability policy for additional protection.

License Verified:

License: 1137252

New Mexico Regulation and Licensing Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
141 Roadrunner Parkway, Las Cruces, NM 88011
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Pat Campbell Insurance LLC. is an independent insurance agency based in Las Cruces that provides home, life, auto, and business lines. The company has been serving the metro and the entirety of southern New Mexico since 1946. It offers auto insurance policies that provide state-required coverage for liabilities, damages, and collisions. Pat Campbell Insurance actively participates in community advocacies and has supported the Mesilla Valley Hospice and Toys for Tots through their initiatives.

License Verified:

License: 1800006516

New Mexico Regulation and Licensing Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
3.7 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1528 Sioux Drive, El Paso, TX 79925
  • Multiple Carriers

Why choose this provider?

Colonial Insurance Agency is an insurance firm that helps clients in Las Cruces and El Paso with their personal and commercial auto insurance needs. Its agents assist customers by finding the most affordable insurance policy that fits their needs. The agency represents over 30 insurance companies, which include Progressive, Gainsco, Aggressive, Clear Blue, Aspen, and Bristol West Insurance. They also offer insurance plans for recreational vehicles, motorcycles, homes, and businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
545 South Melendres Street, Las Cruces, NM 88005
  • Bundling Option

Why choose this provider?

Mesilla Valley Insurance Group is an independent agency operating in Las Cruces. It provides a wide range of personal and commercial auto insurance coverage options that can be utilized in different circumstances. A business owner package is offered for small business owners who are looking to cover a variety of needs. A team of independent agents will constantly review a client's policy and can also act as a reliable consultant for insurance concerns. The agency also provides personalized service for significant life events such as marriage, pregnancy, or retirement.

License Verified:

License: 1800003846

New Mexico Regulation and Licensing Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.2 / 5 (6)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Are you required to have liability coverage in your Las Cruces car insurance?

    Under New Mexico law, carrying liability coverage in your car insurance policy in Las Cruces is mandatory. This liability coverage allows drivers to be financially prepared for the liabilities they may face if they get into a car accident. However, there are minimum coverage limits per accident:

    • $10,000 for property damage.
    • $25,000 for injury or death.
    • $50,000 for the total injury of the dealer. Drivers must prove that they carry liability coverage to avoid suspension and penalties.
  • What is included in comprehensive car insurance in Las Cruces?

    Getting comprehensive car insurance in Las Cruces provides you additional protection if your vehicle becomes damaged in a non-collision situation, such as explosions, fires, floods, and earthquakes. These coverages include other benefits, such as roadside assistance, rental car reimbursement, and glass damage protection. In addition, comprehensive car insurance may cover expenses for the damaged custom parts and equipment in your car.

  • How long before your auto insurance expires in Las Cruces?

    The expiration of your auto insurance in Las Cruces depends on your insurance company’s policy, but most have an expiration between six months and a year. Once your auto insurance is nearing its expiration, your insurance companies will notify you about the renewal and remind you to pay your premium via mail.

  • What are the penalties for driving without auto insurance in Las Cruces?

    If you are caught driving without auto insurance for the first time in Las Cruces, you may be required to pay a fine of up to $300 and receive a jail time of up to 90 days. If you’ve been caught for the second time, you may be given a penalty of $1,000 fine and six months of jail time. You'd be given a much larger fine and longer jail time for a third offense and beyond.

  • Will my out-of-state insurance be acceptable in Las Cruces?

    Las Cruces allows out-of-state insurance for your car as long as it meets the state's minimum liability requirements for auto insurance. To prove that you have out-of-state insurance for your vehicle, you must submit a signed and complete Affidavit of Non-Use/Out-of-State Insurance form to the New Mexico Insurance Identification Database. You are required to submit this form every time you renew your out-of-state insurance policy.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

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