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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 personalized New Mexico auto insurance quote, you'll get the benefit of CoverageMyWay®, only from Esurance, which helps prioritize car coverage options for you based on the info you provide during your quote. We're committed to helping you make smart choices with protection.
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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 your quote, see if you qualify for some of these unique discounts:
- Claim-Free discount
- Switch & Save® discount
- Paid-in-Full discount
- Good Student discount
- Anti-Theft discount
- Homeowners discount
- Multi-Policy discount
- Defensive Driver discount
- Fast 5® discount
- Multi-Car discount
new mexico auto insurance 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.
There's a lot more to New Mexico car insurance than required liability insurance. The following coverages are optional but can provide you with extra financial protection and peace of mind if you ever need to file a claim:
- Medical payments
- Towing and labor
- Uninsured/underinsured motorist bodily injury
- Uninsured motorist property damage
- Auto loan/lease (or "gap")
- Customized parts and equipment
- CarMatch Rental Coverage®
factors that could affect your new mexico auto insurance rates
The following could impact your rates for car insurance in the Land of Enchantment:
- 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
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 are a major liability in New Mexico. According to an Insurance Research Council report, 21.6 percent of New Mexico motorists were uninsured in 2012. That was well above the national average of 12.6 percent.
Uninsured/underinsured motorist coverage can help financially protect you if you're in an accident caused by an uninsured driver.
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.
What to do when your car breaks down
An auto breakdown can be disorienting for anyone. Luckily, you can get helpful pointers from the experts at Esurance.
New Mexico Motor Vehicle Division
This official site helps consumers with licensing and vehicle registration in New Mexico.