The Land of Enchantment

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New Mexico Auto Insurance

New Mexico has a long history of unique cultures and amazing views of the outdoors. New Mexicans know how much this state offers, with its vast mountains, high meadows and grasslands. The state is most definitely not just desert. With so much to see, you’ll be sure to do a lot of driving around to get the most out of life in New Mexico.

AIS can help you get the Auto Insurance coverage you need before you get on the road. Making sure that you’re properly protected will reduce or eliminate the amount that you have to pay out of pocket for accidents that may happen.

Use our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select, and then you get to choose from our top-rated affordable carriers. AIS is here to help!

Required Auto Insurance in New Mexico

Every state has different requirements for Auto Insurance, so it is important to know how much coverage you need to legally drive on the road. New Mexico uses an electronic database to monitor the Car Insurance status of all vehicles registered in the state. If you don’t meet the required coverage, they’ll send you a letter to make sure you get your Car Insurance updated. To meet the state’s Auto Insurance requirements, you must have Liability Insurance. This type of coverage pays for the damages involved in an accident in which you were at fault. It excludes your own vehicle and damage, so you may consider adding optional coverages to your policy for further financial protection.

State Minimum Liability Coverage in New Mexico

  • BI or Bodily Injury: $25,000 per person; $50,000 for injuries to multiple people in an accident
  • PD or Property Damage: $10,000 per accident

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in New Mexico

Meeting the minimum required New Mexico Auto Insurance coverage may allow you to drive legally, but it’s not always enough coverage to pay for the costs that may incur from an accident. By adding extra coverages, you’re also providing yourself with the extra peace of mind that you’ll be safe from unknown events that can happen on the road.

The following coverages can be added to your Auto Insurance policy to give you fuller protection:

  • Collision Coverage*: This type of coverage pays for costs related to damages to your car from an auto accident. The average national repair costs after an accident are $3,000, so it’s worth it to consider adding this optional coverage to your Auto Insurance policy.
  • Comprehensive Coverage*: This type of coverage will pay for the damages to your own car that resulted from something other than collision. This may include vandalism, fire, flood and more.
  • Medical Payments: This coverage will pay for your medical expenses if you are injured in an accident, up to policy limits.
  • Towing and Labor: This coverage reimburses you in the case your car needs towing.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

Although you aren’t legally required to carry these levels and types of coverage in New Mexico, AIS highly recommends that you consider them for your policy. One of the best ways to determine your specific Auto Insurance coverage needs is to call one of our licensed, knowledgeable agents.

Most Stolen Car Models in New Mexico

There are multiple factors that go into calculating your Auto Insurance premium, including the risk of your car getting stolen. Certain car models attract thieves more than others. According to the, these are the top 10 cars that get stolen in New Mexico:

  1. Chevrolet Pickup (Full Size)
  2. Ford Pickup (Full Size)
  3. GMC Pickup (Full Size)
  4. Dodge Pickup (Full Size)
  5. Honda Civic
  6. Honda Accord
  7. Chevrolet Tahoe
  8. GMC Yukon
  9. Toyota Camry
  10. Jeep Cherokee/Grand Cherokee

New Mexico Auto Insurance Discounts

To save money on your Auto Insurance policy, you’ll want to apply any discounts you’e qualified for. There are several discounts offered to qualifying New Mexico drivers. Ask your licensed AIS agent about discounts that you may qualify for.

Some examples of these New Mexico Car Insurance Discounts include:

  • Good Driver
  • Good Student
  • Anti-Theft Device
  • Safety Device
  • Multi-Car Policy

To learn more about specific discounts, visit our Discounts page.

There are many beautiful places to explore all over the state by way of driving. Keeping you and your family protected financially and legally on the road with the required Auto Insurance will keep your driving adventures much more enjoyable. If you don’t want to spend hours searching for low rates and the best coverage from hundreds of carriers, Auto Insurance Specialists are here to help! We search and find the best rates and coverage from our high-quality insurance partners. The helpful professionals at AIS are an excellent asset to New Mexico drivers. For information and a quick free quote on a New Mexico Auto Insurance policy, call us at AIS today!

Start a New Mexico Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About New Mexico

White Sands National Monument is a desert, not of sand, but of white gypsum crystals. 

25% of workers in New Mexico work directly for the Federal Government. 

Notable New Mexico Attractions

Billy the Kid Museum

Pecos National Historical Park

White Sands National Monument