Cheap Auto Insurance Quotes in Clovis, NM (2023)

Clovis has 38,000 residents, and most folks drive as their primary mode of transportation. Finding the best auto insurance policy is like an oasis in the middle of the desert.

Over 95 percent of Clovis households own cars. But it's still possible to find yourself on a New Mexico road with nobody else in sight. Before you're driving all on your lonesome, wish for a magical car insurance policy to match the Land of Enchantment.

Car Insurance in Clovis, NM

The average cost of New Mexico car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Clovis, NM to find you the cheapest quotes in the area.

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• Cheap Car Insurance New Mexico

• Compare Car Insurance

Cheapest Car Insurance in Clovis, NM

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Clovis, NM

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Clovis. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in New Mexico

All motor vehicles operated or parked on New Mexico roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in New Mexico^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Mexico is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Clovis Car Insurance Rates by Driver Age

Certainly, you’re a better driver now than when you first began driving. Experience is one reason why more-seasoned drivers in Clovis pay less than young drivers do. Because more-mature drivers drive better, they are less likely to file a claim. This is evident by their car insurance rates. While insurance costs fluctuate from $128 to $200 per month for drivers ages 20 and above, teens shoulder the highest rates among all drivers, at $267. Clovis motorists in their 70s pay the least.

Clovis Car Insurance Rates by Driving and Accident History

It makes no sense to drive dangerously if you want to keep your insurance costs down in Clovis. While insurance companies reward clean drivers with low rates, policies are higher for drivers they suspect will make a future claim. Drivers with a failure-to-stop violation pay $520 on average for car insurance. By comparison, the clean-record crowd pays just $200. How are car insurance companies made aware of your mistakes? They review your motor vehicle record (MVR) when you establish your policy and when you renew.

See More:

• High-risk Car Insurance New Mexico

• DUI Car Insurance New Mexico

Clovis Car Insurance Rates by Credit Tier

If you thought your credit rating was between you and the credit card company, think again. Car insurance companies consider credit when calculating your insurance rates. It’s not necessarily how much credit you have but how you use it that matters to them. People who manage their money wisely (like paying their bills on time or keeping their debt-to-income ratio in check) pay less for car insurance than people who don’t. In Clovis, motorists with poor credit pay an average of $191. In comparison, premiums for those with excellent credit average out to $135.

See More: Bad Credit Car Insurance New Mexico

Find local Clovis agents

Clovis, NM DMV Information

The Clovis Motor Vehicle Department is at 900 W 6th St., Clovis, NM 88101. The office hours are Monday through Friday from 8 a.m. to 4 p.m., and the phone number is 1 (575) 762-3732. Vehicle registration renewal, driver license renewal and replacement, ticket payment, license status, and other services can be done online.

Public Transportation in Clovis, NM

Most people in Clovis drive, but the city provides public transportation. The Clovis Area Transit System Stageline works fixed routes, and Round Up offers paratransit by reservation. Both options allow passengers to ride free during the COVID crisis, but face masks are required. If you don't have time to make a reservation, you can opt for Lyft, the ridesharing service. Clovis Shuttle will get you to the airport, which pretty much rounds out your options in the town.

For more detailed New Mexico city level guides, check out these below.

• Average Cost of Car Insurance Rates in New Mexico

• DUI Car Insurance Rates in New Mexico

• High-Risk Driver Car Insurance Rates in New Mexico

• New Mexico Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in New Mexico

How to get the best and cheapest car insurance in Clovis, NM

Clovis has the best cowboys and cowgirls in Curry County, no matter how much horsepower their rides have. Before you jump on your four-wheeled steed, are you getting the best deal on car insurance? Try Insurify to lasso a lovely rate by comparing dozens of insurance quotes in just a few seconds.

When over 20 percent of drivers on New Mexico roads have no insurance, driving without car insurance is risky. When you pick Insurify to get your rate, it's Christmas every day, no matter if you get red, green, or both chiles in your burrito.

FAQs - Clovis, NM Car Insurance