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new mexico car insurance

New Mexico: the Land of Enchantment (and affordable car insurance). Use this handy guide to learn about car insurance discounts, read up about your state's required coverages, or simply ensure you're getting the most from your policy.

When you start a New Mexico car insurance quote with Esurance, you'll be able to customize policy coverages, limits, and deductibles so you can secure coverage that leaves you full of confidence — and your wallet still full of cash.

car insurance discounts in new mexico

The more discounts you score, the more money you save on your policy. The more money you save on your policy, the bigger your collection of Lobo-red cowboy boots grows. (It's pretty simple, really.)

When you get a free quote, see if you qualify for some of these unique discounts:

  • Claim-Free discount
  • Switch & Save® discount
  • Good Student discount
  • Anti-Theft discount
  • Homeowners discount
  • Defensive Driver discount
  • Fast 5® discount
  • Multi-Car discount
  • DriveSense™ discount

new mexico auto insurance coverages

Required coverages

New Mexico drivers are legally required to carry liability insurance with at least the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

You'll often see these liability limits written as 25/50/10.

Uninsured/underinsured motorist coverage in New Mexico

The state also requires uninsured/underinsured motorist coverage on all car insurance policies, although drivers are permitted to reject the coverage in writing.

Optional coverages

There's a lot more to New Mexico car insurance than required liability coverage. These coverages are optional, but can provide you with extra financial protection and peace of mind in the event of a claim:

  • Collision coverage
  • Comprehensive coverage
  • Medical payments coverage
  • Towing and labor coverage
  • Uninsured/underinsured motorist coverage
  • Auto loan/lease gap coverage
  • Custom parts and equipment coverage
  • CarMatch Rental Coverage®

why you pay what you pay for nm auto insurance

The following can affect your rates for car insurance in New Mexico:

  • Driving record and insurance history
  • Gender, age, and marital status
  • Credit-based insurance score
  • Make and model of your car
  • ZIP Code where you live
  • Coverages, limits, and deductibles
  • Any discounts you qualify for

insurance facts in your state

Proof of New Mexico auto insurance

Drivers are required to carry car insurance in New Mexico. Drivers who can't prove they're adequately insured face suspension of driving privileges, among other penalties.

Uninsured drivers in New Mexico

Uninsured drivers are a major liability in New Mexico. According to a 2011 Insurance Research Council report, New Mexico had the second-highest rate of uninsured drivers in the U.S. — 26 percent. That was nearly double the national average of 13.8 percent.

Uninsured/underinsured motorist coverage can help financially protect you if you're in an accident caused by an uninsured driver.

Alternative New Mexico car insurance options

Some high-risk drivers may have difficulty finding auto insurance through normal means, and may consider obtaining coverage through a "non-standard" insurance company. Non-standard insurance companies are more likely to cover a driver with high risk factors, such as previous accidents or serious driving violations. These insurance companies also tend to charge higher premiums.

Related links

The Esurance Coverage Counselor®
There is no one-size-fits-all coverage. We'll help you tailor a policy that provides just the right amount of protection for you.

New Mexico Insurance Division
The New Mexico Public Regulation Commission has a website to help drivers with questions regarding car insurance purchases and other auto insurance-related questions/concerns.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262