New Mexico Auto Insurance

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New Mexico Auto Insurance

New Mexico has a long history of Native Cultures and has such a unique appearance to the average tourist. But New Mexicans know how much this state offers, with its vast mountains, high meadows and grassland; it’s 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 of life in New Mexico.

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

Required New Mexico Auto Insurance

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 get your insurance updated.

State Minimum Liability Coverage in New Mexico

Your New Mexico Auto Insurance must have liability coverage with these minimum amounts:

  • 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

Optional Coverage in New Mexico to Consider

Meeting the minimum required New Mexico auto insurance coverage allows you to drive legally, however it’s not always enough coverage to meet the costs that may incur from an accident. The following coverage are optional and can be added to your auto insurance policy to give you fuller protection.

  • Collision - Collision coverage pays for costs related to damages from an accident
  • Comprehensive - Comprehensive coverage will pay for the damages to your own car that resulted from something other than collision
  • Medical Payments - This will pay for your medical expenses if you are injured in an accident
  • Towing and Labor - This coverage reimburses you in the case your car needs towing

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

New Mexico Auto Insurance Discounts

To save money on your insurance policy, you’ll want to apply the discounts that you are qualified for. These discounts are available to New Mexico drivers. Ask your AIS auto insurance agent about any discounts that can be applied to save you money.

  • 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 moments much more enjoyable. If you don’t want to spend hours searching for low rates and best coverage from hundreds of carriers, Auto Insurance Specialists are here to help with that! We search and find the best rates and coverage from our high-quality insurance partners. The helpful professionals at AIS Auto Insurance Specialists can be 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

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