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New Mexico law requires all drivers to carry minimum liability coverage to operate a vehicle legally. Here’s what’s required:
| Coverage Type | Minimum Amount |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $10,000 per accident |
| Uninsured Motorist Coverage | Included unless declined in writing |
Liability coverage helps pay for injuries or property damage you cause in an accident. Uninsured motorist coverage protects you if the other driver doesn’t have adequate insurance.
While meeting state minimums keeps you legal on the road, many drivers choose higher limits or add optional protections for more peace of mind. Consider:
As an independent agency serving New Mexico, we don’t work for one insurance company—we work for you. Our team shops multiple carriers to help you:
✔ Compare rates side-by-side
✔ Access discounts and savings opportunities
✔ Customize coverage to match your situation
We make it simple to request a quote online or speak with a licensed agent for guidance.
Many carriers offer discounts for safe driving records, bundling auto and home policies, paying in full, or having certain safety features on your vehicle. Shopping with an independent agency gives you access to multiple discounts from different providers.
No. New Mexico uses a fault-based system, meaning the at-fault driver in an accident is financially responsible for damages. Adding optional coverages like MedPay or uninsured motorist protection can help shield you from unexpected costs if you’re hit by someone with little or no insurance.
In 2024, the average annual premium for New Mexico drivers is $1,331—slightly lower than the national average. Your rate may vary based on factors like your age, driving history, credit score, and the type of vehicle you drive.
New drivers under 18 follow a three-stage licensing system:
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
