New Mexico car insurance

Desert highway with mountains in the background

Common questions about New Mexico
auto insurance

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.

What car insurance is required in New Mexico?

In New Mexico, it's illegal to drive without insurance. Drivers in New Mexico are required to have the following car insurance coverage: bodily injury to others, property damage liability, and uninsured motorist coverage.

This chart shows the minimum auto insurance drivers are required to have in New Mexico for these coverages.²

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

Check out the New Mexico Motor Vehicle Division for more details.

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.

What's the average cost of car insurance in New Mexico?

The average cost of car insurance in New Mexico was $1,375³ in 2021 according to thezebra.com. That's 10% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on New Mexico auto insurance with a customized policy so you only pay for what you need.

See how much you could save on car insurance.

U.S. Map with New Mexico state highlighted

Who has the cheapest car insurance in New Mexico?

Getting the cheapest car insurance in New Mexico sounds great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴