New Mexico Car Insurance

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Common questions about New Mexico auto insurance

Need car insurance in New Mexico? Whether you live in Albuquerque or Las Cruces, Liberty Mutual 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 car insurance coverage for

  • Bodily Injury to others
  • Property Damage

Here are the minimum auto insurance limits drivers must have in New Mexico.1



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 $1,3752 in 2021 according to 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.

U.S. Map with New Mexico state highlighted

What New Mexico car insurance coverage is right for you?

All New Mexico drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your New Mexico car insurance to get the coverage that fits you. See all of our auto coverage options.

What's the best car insurance in New Mexico?

Liberty Mutual knows that everyone has different needs for their New Mexico auto insurance. Some may want the cheapest New Mexico car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your New Mexico car insurance, so you only pay for what you need

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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 make sure the company you pick is reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

Bundle and SaveLoading...

Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

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1See New Mexico DOI for more information:
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
5Discounts 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.
6The 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), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance