Car Insurance in Clovis, NM
Drive with confidence and security when you use VIU by HUB to help you find the right car insurance in Clovis to meet your needs.
Located in Curry County, Clovis, NM, is home to over 38,000 people. Residents enjoy a 25.3% lower cost of living than the national average and have access to Hillcrest Park and Ned Houk Memorial Park, which are popular among hiking and fishing enthusiasts.
The transportation options and short commute times are other reasons people enjoy living in Clovis. Mountain Trail Transit provides bus routes throughout the city and surrounding areas, and a regional shuttle travels to the nearby town of Portales. A program called Roadrunner Runner Express provides transportation for people with special needs. Despite the public options, nearly 85% of residents drive their own cars. The average commute time is 14.2 minutes compared to the national average of 26.4 minutes.
The average cost of car insurance in Clovis is $2,256 per year, slightly above the national average of $2,150 per year. A variety of factors determine exactly how much you pay for your policy.
Some of the biggest factors insurers consider are your driving record, credit history, the type of car you drive and where you live. A clean driving record and good credit history will likely keep your costs low, depending on your car. Sports cars and luxury vehicles cost more to insure than standard family-friendly cars. Even your zip code matters. Property crime is high in Clovis, with a score of 78.2 on a scale of 1-100. so you may pay more.
Other factors include which types of coverage you choose, how much you choose for your deductible, whether you've filed claims in the past and your age and driving experience. A higher deductible means lower monthly payments, but it's important to save that deductible in case you need it in an emergency. If you've filed claims before, you may pay more. Finally, older and more experienced drivers pay less than new drivers.
The most important type of car insurance in Clovis is liability insurance. New Mexico requires you to carry it. You must have bodily injury liability of $25,000 for one person and $50,000 for two or more persons. You must also carry $10,000 in property damage liability.
There are other types of insurance to consider as well. Underinsured and uninsured motorist coverage protects you if you're in an accident with someone who doesn't carry enough or any insurance.
Other types of insurance to purchase are collision and comprehensive policies, often sold together. Collision policies cover damage to your vehicle if you're in an accident with a pole or roll your vehicle. Comprehensive insurance pays for damages unrelated to collisions, such as theft, fires or falling objects.
It's always a good idea to have personal injury protection. It pays the medical bills for you and your passengers, even if you were at fault. It also covers lost wages, rehabilitation and funeral expenses.
Depending on your needs, you may also be interested in lesser-used policies. Some include accident forgiveness, gap insurance, rental reimbursement, rideshare reimbursement and roadside assistance.
Finding the right car insurance in Clovis doesn't need to take up your day. VIU by HUB provides a unique platform that lets you get quotes from multiple insurers in seconds. Choose your policy and complete a quick call with a trusted insurance advisor to finalize the process and ensure you're getting the best deal.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
