Car Insurance in Clovis, New Mexico
Estimated full coverage in Clovis runs about $1,475 a year ($123/month) — ▲ +3% versus the New Mexico average, ranking 8th most expensive of the 8 New Mexico cities we cover.
- Per month
- $123
- vs. New Mexico average ($1,430)
- +3%
- vs. U.S. average ($1,590)
- −7%
- State-minimum coverage
- $540/yr
- Minimum liability
- 25/50/10
- Insurance offices nearby
- 8
Why car insurance in Clovis costs more than the New Mexico average
Insurers price by territory, and Clovis's numbers explain most of the gap. With 37,555 residents on 23.6 square miles, the city's density (1,590 people per square mile) is 6.8 times the density where the typical New Mexico resident lives (234). The average commute is 16.4 minutes (New Mexico: 23.5), and 82% of workers drive alone. Together these put our location factor at 1.04× the state baseline for liability and collision, and 0.99× for comprehensive once FEMA weather risk for Curry County is included.
| Factor | Clovis | New Mexico ref. | Why it matters |
|---|---|---|---|
| Population density | 1,590 / sq mi | 234 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 16.4 min | 23.5 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 82.3% | — | Share of workers commuting by car. |
| Public transit to work | 0.2% | — | Transit use lowers how much residents drive. |
| Work from home | 4.0% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 6.1% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 51.5 | 69.8 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Minimum car insurance in Clovis
Clovis drivers follow New Mexico's rules: at least 25/50/10 liability coverage. New Mexico is at-fault (tort). We estimate state-minimum coverage in Clovis at $540 a year, and $785 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — New Mexico does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must meaningfully offer uninsured/underinsured motorist coverage; the insured may reject it in writing, per vehicle. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Offered together with uninsured motorist coverage and may be rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Clovis premiums
Accidents
New Mexico recorded 409 traffic deaths, or 1.43 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
New Mexico's vehicle theft rate is 321 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Curry County as relatively moderate for hail, relatively low for inland flooding and relatively moderate for strong wind.
Traffic & commuting
3.8% of Clovis commuters spend an hour or more getting to work, and there are 1.82 vehicles per household. 4.0% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 88.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 58.9 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 52.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 57.5 | Comprehensive; dwelling | |
| Winter weather | 95.4 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Clovis by driver profile
A clean-record driver in their 50s pays the least in our Clovis model (about $1,360 for full coverage); an 18-year-old on their own policy pays about $4,060, and a DUI pushes a 30-something to $2,730.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,485 | $2,155 | $4,060 | $338 |
| Young adult (22) | $865 | $1,255 | $2,360 | $197 |
| Adult in their 30s | $540 | $785 | $1,475 | $123 |
| Adult in their 50s | $495 | $720 | $1,360 | $113 |
| Senior (72) | $605 | $880 | $1,655 | $138 |
| 30s, one at-fault accident | $785 | $1,135 | $2,140 | $178 |
| 30s, DUI on record | $1,000 | $1,450 | $2,730 | $228 |
Minimum vs. standard vs. full coverage in Clovis
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $540 | $45 | $445–$640 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $785 | $65 | $645–$925 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,475 | $123 | $1,210–$1,740 |
Estimate your premium in Clovis
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Cheap car insurance in Clovis: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Clovis's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $95 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 4.0% of Clovis workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $380 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $690 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $325 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Clovis
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 8 offices listed below.
- Check complaint records with the New Mexico Office of Superintendent of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Clovis, our estimates differ by up to $0 a year between neighborhoods.
Car insurance agents near Clovis, NM
We found 8 insurance offices within about 4 miles of central Clovis, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Fred Loya Insurance
NM -
Alicia McHenry - State Farm
2120 Ross Street, Clovis, NM 88101 -
Nick Wiegel - Allstate
501 Commerce Way, Ste 5, Clovis, NM 88101 -
Zoila Margarita Pena - Farmers Insurance
518 W 21st St, Clovis, NM 88101 -
Rosalind R Smith - Farmers Insurance
109 Commerce Way, Clovis, NM 88101 -
Jose Antonio Nicolas - Farmers Insurance
1220 N Prince St, Clovis, NM 88101 -
Mike Morris - State Farm
116 E 11th Street, Clovis, NM 88101 -
Todd Farrell - Farmers Insurance
1101 N Norris St, Clovis, NM 88101
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Clovis
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,110 | −25% |
| Subaru Outback | Wagon | $1,105 | −25% |
| Tesla Model 3 | Midsize car | $1,550 | +5% |
| Subaru Forester | Small SUV | $1,080 | −27% |
| Honda Civic | Compact car | $1,680 | +14% |
| Toyota Corolla | Compact car | $1,570 | +6% |
| Jeep Wrangler | Midsize SUV | $1,230 | −17% |
| Mazda CX-5 | Small SUV | $1,245 | −16% |
| MINI Cooper | Subcompact car | $1,120 | −24% |
| Tesla Model Y | Midsize SUV | $1,395 | −5% |
Car insurance in nearby New Mexico cities
- Roswell $1,510/yr · 106 mi
- Hobbs $1,595/yr · 118 mi
- Santa Fe $1,550/yr · 179 mi
- Albuquerque $1,640/yr · 201 mi
- Rio Rancho $1,635/yr · 207 mi
- Las Cruces $1,515/yr · 254 mi
- Farmington $1,495/yr · 323 mi
All New Mexico cities and state rules · Homeowners insurance in Clovis
Frequently asked questions
How much is car insurance in Clovis, NM?
We estimate full coverage in Clovis at about $1,475 a year ($123 a month) for a driver in their 30s with a clean record, and about $540 for New Mexico's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Clovis more expensive than the New Mexico average?
Our Clovis estimate is 3% higher than the statewide figure. The model reflects a population density of 1,590 people per square mile (the typical New Mexico resident lives at about 234) and an average commute of 16.4 minutes versus 23.5 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Clovis?
Drivers in Clovis follow New Mexico law: at least 25/50/10 liability coverage.
How much is car insurance for a teenager in Clovis?
An 18-year-old with their own full-coverage policy would pay around $4,060 a year in Clovis by our estimate ($1,485 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Clovis?
FEMA's National Risk Index does not rate Curry County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Clovis?
We list 8 insurance offices in and around Clovis, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- NM MVD: Chapter 11 - Mandatory Insurance
- NM MVD: Chapter 10 - Reinstatement Requirements
- NM OSI Bulletin 2025-013 (UM/UIM offer and rejection per vehicle)
- NM OSI: Auto Insurance
- NM OSI: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Clovis and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places