New Mexico car insurance

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Mountain biker riding through New Mexico desert

New Mexico auto insurance information

As with most states, in order to register and drive your car in New Mexico, the state requires that you have a minimum level of certain types of auto insurance coverage. These include:

  • Bodily Injury to Others: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $10,000 per accident
Most people opt for higher amounts of auto insurance coverage than the state minimum in order to protect themselves in case of an accident.

To learn more about New Mexico auto insurance minimums, visit the New Mexico Motor Vehicle Division.

As a border state, New Mexico residents often ask us about their auto insurance coverage while driving in Mexico. New Mexico auto insurance policies written by Liberty Mutual include a "Mexico Extension Endorsement" that contains limited Mexican coverage (limited to within 75 miles of the U.S. border and 10 consecutive days in Mexico) on your auto insurance policy.

Bundle New Mexico car insurance to save
Purchasing a home insurance policy along with car insurance from Liberty Mutual qualifies you for a multi-policy discount. Learn more about our New Mexico home insurance.

Discounts that help you save

Savings Discount

Online Purchase Discount

Buy your policy online and save. It's that simple.1
Auto Home

Bundle and Save

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

RightTrack

Get rewarded for your good driving behavior by saving up to 30% on your policy.3
1Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
2Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
3Liberty Mutual: The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states.