Bundle your auto insurance with home insurance and save up to 10 percent with our Multi-Policy discount.*
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.
"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."
— Linda K.
"Beat all other pricing while not making me sacrifice my personalized coverage."
— Douglas F.
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:
New Mexico drivers are legally required to carry liability insurance with at least the following limits:
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:
The following could impact your rates for car insurance in the Land of Enchantment:
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.