New Mexico Auto Insurance

Driving in the Land of Enchantment

New Mexico is well known for green chiles, turquoise, hot air balloons and UFOs. With petroglyphs and ancient cliff dwellings, a very large array and a blue hole, New Mexico has some unique locations to explore. If you’re driving down Interstate 25 from Santa Fe to Albuquerque, on U.S. Route 70 to Roswell or heading up state Highway 185 from Las Cruces, all motor vehicles registered in the state need to be covered by at least the minimum New Mexico car insurance requirements. Talk to your local Safeco insurance agent about coverage that is right for you and to get your New Mexico auto insurance quote today.

New Mexico Car Insurance Laws

Car Insurance in New Mexico

Is car insurance required in New Mexico? Yes.
All New Mexico registered vehicles must:

  • Be covered by at least the minimum liability limits

All New Mexico drivers must:

  • Be able to show proof of insurance

To learn more about New Mexico car insurance rates, get your New Mexico car insurance quote today.

New Mexico Minimum Auto Insurance Requirements

What are the minimum car insurance coverage in New Mexico?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your New Mexico Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Recommended Auto Insurance Coverage

If you’re involved in an accident, the minimum car insurance requirements in New Mexico may not be enough to protect you financially from expensive repair and medical costs. Liability insurance will only help pay for the other driver’s expenses. It will not help pay for your own expenses. As a safe, responsible driver, consider raising your liability limits and adding collision, comprehensive, medical payments and uninsured and underinsured motorist to your policy.

All car insurance companies in New Mexico offer policies to cover New Mexico minimum auto insurance coverage requirements. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get a New Mexico car auto insurance quote.

Proof of Insurance in New Mexico

What is proof of insurance?

It's documentation that verifies a current insurance policy or other form of financial responsibility. All New Mexico drivers must be able to show evidence that you're when you register your vehicle and if asked to do so by a law enforcement officer.

Is proof of insurance required in New Mexico?
Yes. Proof of insurance in New Mexico is required for:

  • Vehicle Registration – Yes
  • Traffic stops - Yes

Proof of insurance when registering your vehicle in New Mexico can include:

  • A current insurance ID card issued by your auto insurance company
  • A copy of your auto insurance policy
  • A verification letter from your auto insurance company

Is electronic proof of insurance accepted in New Mexico?

New Mexico Insurance Identification Database

All car insurance companies in New Mexico must electronically provide your insurance information to the New Mexico Insurance Identification Database. You can also call the New Mexico IIDB to provide or verify the information yourself.

If the New Mexico IIDB does not have your insurance information on file, you will receive a verification of mandatory automobile insurance letter.

Is electronic proof of insurance accepted in New Mexico?

No. However, all auto insurance companies in New Mexico must electronically provide your information to the New Mexico IIDB.

Proof of Financial Responsibility in New Mexico

What is proof of financial responsibility?

It’s evidence that you have the have the ability to pay for potential damages caused by your car.

Is proof of financial responsibility required in New Mexico?

Yes. There are several ways to establish proof of financial responsibility in New Mexico. The most common and easiest way is to buy New Mexico auto liability insurance.

Texting While Driving in New Mexico

There are no restrictions or bans on texting and driving for adults with a full driver’s license in New Mexico.

Young Drivers in New Mexico

Getting Your First Driver's License

Minimum age to get an instructional driver's permit in New Mexico: 15
Minimum age to get a provisional driver’s permit in New Mexico: 15 1/2
Minimum age to get a full driver's license in New Mexico: 16 1/2

  • All new drivers under the age of 18 must go through the New Mexico graduated licensing system.
  • New drivers between the ages of 18 and 24 must complete a DWI awareness class.
  • Teen drivers with a provisional driver’s license in New Mexico may not drive between midnight and 5:00 a.m. unless accompanied by a licensed driver over the age of 21.

Teens, Mobile Phones and Texting While Driving

Drivers with an instructional permit or provisional driver’s license in New Mexico are prohibited from using any type of hand-held or hand-free mobile communication device, including talking on a cell phone and texting.

New Mexico Auto Insurance Coverage Options

In addition to car insurance coverage required in New Mexico and our popular auto insurance coverage options New Mexico drivers have even more car insurance coverage to choose from.

Safeco Optimum Package Plus™

For as little as $8 a month get a diminishing collision deductible that decreases $50 every six months, or $100 with an annual policy renewal, for a maximum of up to $500. Plus, increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

OEM Parts

For cars, vans and pickups less than 10 years old, original replacement parts coverage helps with the cost to use new original equipment manufactured parts for repairs and replacement. If you prefer to use OEM car parts instead of aftermarket car parts, OEM parts coverage allows you to use original equipment manufactured parts when they’re available.

New Mexico Auto Insurance Discounts

There are numerous ways to save and lower your car insurance rate in New Mexico. In addition to our popular car insurance discounts, New Mexico drivers have even more opportunities to save.

More Than One Policy

New Mexicons who also have an active home, condominium or renters policy with Safeco may qualify for an auto insurance discount.

Keep a Clean Driving Record

Drivers in New Mexico who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your New Mexico car insurance quote today and start saving tomorrow.

Road Trips in New Mexico

High Road to Taos

Starting on state Highway 503 about 15 miles north of Santa Fe, take the High Road to Taos and drive through a landscape that inspired Georgia O’Keefe in the high country of New Mexico.

Billy the Kid Trail

This 84-mile loop through the Lincoln National Forest in southeast New Mexico explores an area rich in the state’s culture and history including Wild West outlaws, Buffalo Soldiers and Smokey Bear. The drive will take you through a beautiful desert landscape of rolling hills and ranches.

Things to Do in New Mexico

Explore Carlsbad Caverns

Over 100 caves in Carlsbad Caverns that lie beneath the southeast New Mexico landscape are open to self-guided tours throughout the year. See thousands of Mexican free-tailed bats fly out of the caves at sunset on summer evenings or watch them return just before dawn. The caverns are about 25 miles southwest of Carlsbad on U.S. Route 62.

Look at Petroglyphs

Just off Unser Boulevard on the west side of Albuquerque, Petroglyph National Monument contains thousands of images carved into the volcanic rock by ancestors of the Pueblo and by early Spanish explorers.

Fun Facts About New Mexico

State nicknames: Land of Enchantment
Residents are called: New Mexicans
National parks: Carlsbad Caverns
Number of national monuments: 13
National historic trail: El Camino Real de Tierra Adentro
State gemstone: Turquoise
Mysterious sound: Taos hum
Flying saucer crash site: Roswell
Wild West outlaw who dies in N.M.: Billy the Kid
Mythical place: Seven Cities of Gold
Painter inspired by N.M.: Georgia O'Keefe
© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.