Car Insurance in New Mexico
Car Insurance Liability Requirements in New Mexico
Minimum Liability Limits in NM: 25/50/10 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
10 Required coverage up to $10,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in New Mexico
Auto Insurance Coverage Requirements in NM [ 4]
Bodily injury liability coverage Property damage liability coverage Car Insurance Verification Laws in New Mexico
Insurer Verification of Auto Insurance in NM [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Insurer must verify randomly selected insurance policies upon request.
New Mexico Car Insurance Facts, Estimates & Related Laws
New Mexico Car Insurance Facts
Average Car Insurance Rates in NM
New Mexico had the 30th highest auto insurance rates in the nation in 2010.
[ 2] Rates in NM ranked 27th in the nation in 2009.
[ 2] In 2008, NM had the 24th highest rates in the country.
Number of Auto Insurance Policies in NM
New Mexico ranked 36th in the nation in auto insurance policies in 2011 with a total of 1,523,172.
Uninsured Motorist Rate in NM
The uninsured motorist rate in NM ranked 2nd in the nation in 2009.
New Mexico Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for learner's permit and intermediate license holders. [ 7]
Young drivers cell phone ban? Yes Ban applies to learner's permit and intermediate license holders. [ 7]
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
New Mexico Automotive Laws
Safety Belt Laws in NM
Safety belt laws have been in place since 1986 and apply to drivers/passengers 18+ years in all seats.
[ 7] Child restraint law in place for younger than 1 year in a rear-facing infant seat; 1 - 4 years or less than 40 pounds in a child safety seat; 5 - 6 or less than 60 pounds in a booster seat.
Motorcycle Helmet Laws in NM
Motorcycle helmets required for 17 and younger.
Driver's License Renewal Cycle in NM
Renewal cycle: 4 or 8 years at the option of the driver
New Mexico Auto & Driver Facts
New Mexico Automotive Facts
Speed Limits in NM
Rural interstates: 75 mph
[ 7] Urban interstates: 75 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in NM
New Mexico cities collectively ranked 35th in the nation in total motor fuel consumption in 2011.
New Mexico Licensed Drivers
Licensed Drivers in NM [ 10]
Total Drivers: 1,418,641
NM has the 36th most drivers in the U.S.
Minimum Driving Age in NM [ 5]
New Mexico has a minimum driving age of 15 years.
New Mexico Auto Registrations
Auto Registrations in NM [ 8]
Registered Cars: 718,457
Registered Trucks: 984,465
Registered Motorcycles: 64,912
Total Registrations: 1,772,040
Rank: New Mexico ranked 37th in the United States in total auto registrations in 2011.
Additional information about New Mexico
About New Mexico
New Mexico has a population of approximately 2,059,179, which ranks 36th in the U.S. among all states.
More about New Mexico auto insurance
For more information about auto insurance in NM, or for additional resources regarding
New Mexico car insurance, visit the New Mexico Department of Insurance.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration