Get a New Mexico car insurance quote

You could save over $700 on auto insurance when you switch to Liberty Mutual¹

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Buying auto insurance in New Mexico

Need car insurance in New Mexico? Whether you live in Albuquerque or Las Cruces, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your New Mexico auto insurance, so you only pay for what you need.

New Mexico drivers could save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $700¹

Online Purchase Discount

Buy your policy online and save. It's that simple.²

Learn more about Savings

Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.²

Learn about Bundle and Save Discounts and more

RightTrack^®

Get rewarded for your good driving behavior by saving up to 30% on your policy.³

Save with our safe driver program

Those are just a few of the ways we can help lower your car insurance costs.

View all car insurance discounts

New Mexico minimum car insurance requirements (25/50/10)

It's illegal to drive without car insurance in New Mexico. To drive legally, you need to have at least the following coverage amounts and minimums in New Mexico.⁴

Coverage	Amount
Bodily Injury to Others Coverage	$25,000 per person and $50,000 per accident
Property Damage Liability Coverage	$10,000 per accident

Check out the New Mexico Office of Superintendent of Insurance for more details.

Average car insurance cost in New Mexico, 2026

According to 2026 data, the average cost of “full” coverage car insurance in New Mexico is about $1,464 per year.

New Mexico drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.

Is New Mexico a no-fault insurance state?

No, New Mexico is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.

Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, New Mexico drivers may want to consider additional coverages:

These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In New Mexico, drivers must opt out of these coverages in writing when buying a car insurance policy.

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Who offers cheap insurance in New Mexico?

Finding the cheapest car insurance in New Mexico may sound great, but a low-cost policy may not pay out when you need it.

You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.

A Liberty Mutual auto insurance policy can cost less than you think.⁵