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Ruidoso Downs Car Insurance Resources

Ruidoso Downs, NM Car Insurance

Cars Insured in Ruidoso Downs

^ There are an estimated 2,082 vehicles currently insured in Ruidoso Downs. [1]

Car Insurance Rates in Ruidoso Downs

^ From 2006 to 2010, New Mexico cities had the 27th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Ruidoso Downs

^ There are an estimated 498 uninsured motorists driving in Ruidoso Downs. [3]

NM Car Insurance

Ruidoso Downs Car Insurance

Car Insurance Liability Requirements in Ruidoso Downs

  • Minimum Liability Limits in Ruidoso Downs: 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: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Ruidoso Downs

Required Car Insurance Coverage in Ruidoso Downs
  • Ruidoso Downs Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Ruidoso Downs

  • Insurer Verification of Auto Insurance in Ruidoso Downs [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.

Ruidoso Downs Car Insurance Facts, Estimates & Related Laws

Ruidoso Downs Car Insurance Stats

Ruidoso Downs Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Ruidoso Downs
    • Based on historical and current data, 2,082 cars are currently insured in Ruidoso Downs. [5]
    • New Mexico cities collectively ranked 36th in the nation in auto insurance policies in 2011 with a total of 1,523,172. [1]
  • Uninsured Motorist Rate in Ruidoso Downs
    • Based on historical and current data, Ruidoso Downs has an estimated 498 uninsured drivers. [6]
    • New Mexico cities collectively had the 2nd highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Ruidoso Downs
    • New Mexico cities collectively had the 30th highest auto insurance rates in the nation in 2010. [2]

Ruidoso Downs 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. Drivers cannot be pulled over solely for a secondary offense.


Ruidoso Downs Automotive Laws

  • Minimum Driving Age in Ruidoso Downs [9]
    • Ruidoso Downs, NM minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Ruidoso Downs
    • Renewal cycle: 4 or 8 years at the option of the driver [7]
  • Motorcycle Helmet Laws in Ruidoso Downs
    • Motorcycle helmets required for 17 and younger. [7]
  • Safety Belt Laws in Ruidoso Downs
    • 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. [7]

New Mexico Car & Driver Facts

New Mexico Auto Registrations

New Mexico Car & Driver Facts
  • 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.

New Mexico Automotive Facts

  • Speed Limits in NM
    • Rural interstates: 75 mph [7]
    • Urban interstates: 75 mph [7]
    • Other roads: 55 mph [7]
  • New Mexico Motor Fuel Consumption
    • New Mexico cities collectively ranked 35th in the nation in total motor fuel consumption in 2011. [10]

New Mexico Licensed Drivers

  • Licensed Drivers in NM [11]
    • Female Drivers: 711,481
    • Male Drivers: 707,160
    • Total Drivers: 1,418,641
    • Rank: 36th highest in the U.S.

Additional information about Ruidoso Downs, NM

About Ruidoso Downs

Ruidoso Downs (New Mexico) is a city with a population of 2,815 [12] that is located in Lincoln County.

NM Car Insurance

More about Ruidoso Downs auto insurance

For more information about Ruidoso Downs car insurance, or for additional resources regarding New Mexico car insurance overall, visit the New Mexico Department of Insurance.

Did you know?

Of all U.S. states, Mississippi had the highest uninsured motorist rate (28 percent) when last measured.

References

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. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

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