Updated: January 9, 2025
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In Las Cruces, New Mexico, State Farm offers the best and cheapest home insurance. It's also the best for customer service.
Homeowners insurance companies address different needs, so choose based on what matters to you, like cost, customer service or coverage options.
Best HomeInsuranceLas Cruces, NMTable of Contents
Why Trust MoneyGeek? We used data from New Mexico's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Las Cruces.
Home insurance premiums in Las Cruces are based on the most competitive estimates as of September 2024.
State Farm is the best home insurance option for $100K dwelling coverage in Las Cruces, NM, with a MoneyGeek score of 93 out of 100.
Las Cruces' home insurance companies have scores ranging from 40 to 93, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| State Farm | 93 | $887 |
| Foremost Insurance | 40 | $901 |
State Farm is the best home insurance company in Las Cruces, NM, for $100K dwelling coverage because it offers a balance of affordability and high customer satisfaction. The overall top providers are:
While cost is crucial, consider customer service and coverage options, which matter when making claims.
State Farm scores high in affordability and customer satisfaction, making it a top choice for home insurance. You can save with discounts for bundling policies and installing protective devices such as a home security system.
It offers comprehensive coverage, including building ordinance or law, which helps if you need to update your home to meet new building codes. Backup of sewer or drain coverage protects against water damage from backed-up drains.
State Farm offers the best customer service in home insurance for $100K dwelling coverage in Las Cruces, NM. Here are the top two providers for this coverage:
State Farm stands out with a perfect customer satisfaction score of 65 out of 65. It offers a strong mix of good coverage and competitive pricing, ensuring reliable service and value for money.
Excellent service in home insurance means quick help when making a claim and fair coverage for what you pay.
State Farm scores high for customer satisfaction, making it a top choice for service quality in home insurance. You can save with discounts on roof replacement cost and wind mitigation. With roof replacement cost, if your roof is damaged, you get a new one if your roof is damaged.
State Farm's scheduled personal property coverage protects valuables like cameras and sports equipment. Building ordinance or law helps cover the costs of updating your home to meet new building codes.
State Farm is the best cheap home insurance company for $100K dwelling coverage in Las Cruces, NM, due to its high affordability and customer satisfaction scores. The top budget-friendly providers for this coverage amount are:
If saving on premiums is your goal, exploring the cheapest homeowner insurance companies can help.
However, cheap home insurance often means lower coverage. While this can save money, it may not be enough if something goes wrong. The best cheap insurance offers reasonable prices with added value, while the cheapest focuses solely on lower prices.
State Farm is the best cheap company, scoring high in affordability and customer satisfaction. Discounts like bundling policies and installing protective devices like a security system can help you save.
State Farm's coverages help protect your home and belongings, like scheduled personal property for valuable items and cyber event protection for identity theft.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Jan 22, 2025
Many factors affect homeowners insurance in Las Cruces, including location. Comparing rates can help save money, but it might take over an hour since checking three or more companies can take 15 minutes each. Use MoneyGeek's home insurance calculator to save time. Enter your age, dwelling coverage, credit score, deductible and liability coverage for a quick rate estimate.
State Farm offers the lowest home insurance costs in Las Cruces, NM. Here are the cheapest rates for various coverage levels:
Your choice of dwelling coverage is crucial in determining premiums. State Farm earns the highest MoneyGeek scores for $100K, $250K and $500K coverages, making it the cheapest overall.
Opting for the cheapest homeowners insurance in New Mexico can help you manage your finances effectively.
| State Farm | $887 |
| Foremost Insurance | $901 |
State Farm is the best choice for insuring high-value homes in Las Cruces, NM. High dwelling coverage is crucial for properties that cost more to replace; home insurance costs rise with coverage needs.
State Farm stands out as the most affordable option due to its competitive prices for high coverages.
| State Farm | $2,904 |
| Foremost Insurance | $6,651 |
State Farm offers the cheapest home insurance for new homes in Las Cruces, NM,
With its low annual premiums, State Farm is the most budget-friendly option for insuring a new home and the best overall choice.
When selecting coverage, ensure it meets your needs.
| State Farm | $487 |
| Foremost Insurance | $634 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To determine how much home insurance coverage you need, consider your rebuilding costs, personal property value and liability requirements.
Research insurance companies in Las Cruces, NM. Look for those with strong financial stability, positive customer reviews and a history of quality service.
Once you know the coverages you need, compare home insurance quotes. In Las Cruces, NM, average annual premiums for $100K dwelling coverage range from $887 to $901.
Inquire with each provider about discounts you might qualify for, such as bundling policies, adding safety features or having a claims-free history.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can afford to pay if a claim arises.
Enhancing your home's security with systems and sturdy locks can lower its risk profile and potentially decrease insurance costs.
Keep a solid credit score, as it affects your insurance rates. Ensure timely bill payments and work on reducing outstanding debts.
Consider bundling your homeowners insurance with other policies like auto insurance for discounts and savings.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Las Cruces, NM.
The average annual cost of home insurance in Las Cruces, New Mexico, is $646.
State Farm is the cheapest home insurance company in Las Cruces, New Mexico, with an average annual premium of $887.
State Farm provides the best home insurance in New Mexico for Las Cruces residents, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
