Find Car Insurance in Clovis, New Mexico

What You Should Know About Car Insurance in Clovis, NM

Though it is pretty much a remote town, Clovis is more or less self-sufficient, with just about everything its citizens need within reach. The city has its own regional airport, Plains Regional Medical Center services the town’s medical needs, the school system is considered better than average, and graduates can continue their studies at Clovis Community College. A Super Walmart, Lowe’s, Big R, Marshalls, and several other big-name stores, along with many local establishments, provide plenty of retail for the locals.

Residents who need just a little more than what Clovis has to offer can travel to nearby cities for extended services. Some students choose to make the 20-mile trip to Eastern New Mexico University in Portales for higher education. Many make the 90-or-so-minute trek to Lubbock or Amarillo, Texas, for amenities a midsize town would offer. For extra medical care, Albuquerque has some of the best facilities in the state. But all of that time in your vehicle means you really need a good policy to protect yourself financially in case you get into an accident, so talk to an expert agent at InsureOne to obtain the best auto insurance at the best price in New Mexico.

How Much Does Car Insurance Cost in Clovis, New Mexico?

The cost of living in Clovis is pretty low compared to the U.S. average, and one of the contributing factors is that car insurance in New Mexico is typically priced well. People in the state pay an average of $346 for a minimum liability policy and $1,591 for full coverage, while the national averages are $622 and $2,014, respectively. Premiums in Clovis are a shade above average for New Mexico, but still significantly lower than the U.S. average.

What Does Full Coverage vs. Minimum Liability Mean?

Often, people want to spend as little as possible on coverage. If you fit into this category, consider getting a minimum liability policy. This would give you the lowest level of protection allowed by law. Such a policy would only pay for damages you cause in an accident. If you crash into someone else or if an uninsured driver crashes into you, you would have to repair or replace your vehicle with your own money.

Others want to know their insurer will pay for just about anything that happens to their car, even if that means their policy is more costly. If that is your mindset, ask your agent about full coverage. This type of plan covers your vehicle even if you are at fault or even if there is no other driver to take responsibility, like if someone throws a rock through your window and does not stick around to pay for the damage. While this policy might cost more, it brings car owners more peace of mind than minimum liability.

Affordable Car Insurance Rates Comparison by Cities in Clovis

Clovis is a pretty remote town. There are few developed cities in the immediate area, but these are the average premium costs for municipalities that are within driving distance of Clovis:

City	Full Coverage Insurance	Liability Insurance Coverage
Clovis	$134	$31
Albuquerque	$155	$40
Portales	$129	$30
Santa Rosa	$131	$29
Tucumcari	$131	$29

How Bundling Your Car and Homeowners Insurance Can Save You Money in Clovis

Insurers use the term “bundling” when a customer gets two or more policies, like auto and homeowners insurance, from the same carrier. People like to bundle for a variety of reasons. For example, it is just simpler to deal with one company than two or more for all your coverage needs. Managing and paying your bills is also easier when you only have to pay one insurer.

Furthermore, your insurer will offer you up to 25% off your policies in appreciation of you bundling your home and auto insurance. It makes sense all around to bundle, especially since your InsureOne agent will do all the work of price shopping different carriers to see which offers the best pricing and bundling discounts. You will end up with customized coverage at the best prices available, with coverage tailored to your preferences.

What Types of Car Insurance Discounts Are Available in Clovis?

One of the good things about the top-tier insurers is that they offer many discounts that may help lower your insurance premiums. You will not be eligible for all of them, but each one that pertains to you will lower your bill further. You can ask your agent about these and other discounts:

• High-deductible discount
• Premium upfront discount
• Safety feature discount
• Anti-theft discount
• Military discount

Notable Car Insurance Laws in Clovis

While insurance laws vary by state, they are universal within U.S. states — each state creates its own set of regulations, and individual cities defer to those rules, rather than creating their own. These are some of New Mexico’s laws, which apply to Clovis as well:

What Are the Mandatory Car Insurance Requirements in Clovis?

It is inadvisable to operate a vehicle without a good policy in place. One misstep could set you back thousands of dollars or even more if you do not have an insurer to help you cover damages you cause. In addition, New Mexico law requires every driver to obtain car insurance with the following coverages at a minimum:

• $25,000 liability coverage for bodily injury per person
• $50,000 liability coverage for bodily injury per accident
• $10,000 liability coverage for property damage

What Is the Penalty for Driving Without Insurance in Clovis?

In New Mexico, driving without a policy is considered a serious offense. Even if you do not cause an accident while uninsured, simply driving without insurance could lead to these fines and/or penalties:

• A $300 fine
• Up to 90 days in jail
• Suspension of driving privileges
• Revocation of registration
• A $30 reinstatement fee for your registration

What Factors Go into My Car Insurance Cost in Clovis?

Every driver is different, as is every vehicle and neighborhood. When you apply for a policy, your insurer has to figure out if you are more or less likely to file a claim. How much will a claim cost them if you do file one? Using a whole slew of details, providers can make calculations that help them set your premiums.

These are some of those pieces of information they will review:

• Driving experience
• Education level
• Age
• Occupation
• Gender

Typical Driving Conditions in Clovis

With about 38,000 residents spread over almost 24 miles, Clovis is far from overpopulated. Its roads do not suffer from the major congestion you might find in some of the bigger cities. However, the elements can affect driving conditions, such as sandstorms, blinding sun, snow, and rain, which can cause major visibility issues and unsafe roads.

How Many Car Accidents Happen in Clovis Per Year?

Accident rates in your area are another major factor that affects your premiums significantly. The University of New Mexico researched the total number of crashes for 2023, and this is what the study found for Clovis and several cities in the vicinity:

City	Total Crashes
Clovis	666
Albuquerque	13,547
Portales	196
Santa Rosa	40
Tucumcari	53

How Many Uninsured/Underinsured Motorists Are in Clovis?

A high percentage of New Mexico drivers have no coverage at all. Based on a report by the Insurance Information Institute, in 2023, 24.1% of the state’s motorists were uninsured. Only the state of Mississippi had a worse track record in this regard. If this concerns you as a resident of Clovis, talk to your InsureOne agent about getting uninsured/underinsured motorist coverage that would help you repair or replace your car if one of these drivers crashes into your vehicle.