Clovis Multi-Violation Auto Insurance After Points

What Affects Rates in Clovis

• Highway Patrol concentrates on US-60 west toward Melrose and US-70 east toward Portales, issuing speeding citations frequently on straight rural sections where speed creep is common. Each 11–15 mph over limit adds 4 points; 16–20 over adds 5 points. Three moderate speeding tickets in 18 months will push most drivers over the 12-point threshold.
• Cannon Air Force Base generates concentrated morning and evening traffic on Prince Street and 21st Street corridors. Insurance carriers price Clovis policies higher than rural Curry County due to congestion-related collision frequency. Non-standard carriers treat military-adjacent cities as moderate-risk zones.
• Curry County recorded 47 hail events and 27 high-wind events in the last five years, including baseball-sized hail on May 29, 2024, that broke windows southeast of Cannon AFB. Comprehensive claims elevate base rates citywide. Carriers factor storm frequency into multi-violation policies, compounding rate impact for drivers with points.
• New Mexico allows defensive driving course completion to remove 3 points from your record once every 12 months. Completing the course before crossing the 12-point threshold can delay or prevent suspension. If already suspended, the course does not shorten the suspension period but reduces points for reinstatement eligibility.