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We’ve done all the legwork for drivers in the Land of Enchantment and compiled state minimums, average auto premiums, and more.  If you’re shopping around for car insurance or just have questions you need answered, you’ve come to the right place.

State Minimums

If you’re not insured, New Mexico will know about it. Not because they have eyes in the back of their heads, but thanks to an electronic system that keeps them up to date. Save yourself the trouble and get the minimums of:

  • $25,000 for the bodily injury or death of one person
  • $50,000 for the bodily injury or death of two or more people
  • $10,000 per accident for property damage

Violations And Fines You’ll Want To Avoid

Don’t drive without insurance. If you do, expect a Notice of Suspension of Registration letter. Once you get one, you’ll have to return your license plate to the MVD within ten days or face a:

  • Minimum fine of $100
  • Reinstatement fee of $30

What New Mexicans Pay For Car Insurance

According to our research, here’s what the average driver is paying with New Mexico’s cheapest car insurance companies:

 Average Annual Rates
Iowa Farm Bureau$602.38
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Auto insurance premiums are on the move as much as your car. Reviewing quotes from at least three companies each year can help make sure you aren’t overpaying.

Most Commonly Stolen Cars

Car thieves don’t just jack your ride, but they make rates go up too. If you’re driving one of the following top stolen cars in New Mexico, know that you might pay more for car insurance:

  • 2004 Ford Pick-Up (Full Size)
  • 1996 Honda Accord
  • 2003 Chevrolet Pick-Up (Full Size)
  • 1998 Honda Civic
  • 2001 Dodge Pick-Up (Full Size)
  • 2003 GMC Pick-Up (Full Size)
  • 1999 Toyota Camry
  • 1993 Jeep Cherokee/Grand Cherokee
  • 1994 Ford Pick-Up (Small Size)
  • 1997 Chevrolet Pick-Up (Small Size)

*According to

Expert Insurance Agents Are Ready to Help

If you’re still unclear about what you need, speak with a real person. Licensed agents want to help you find the best auto insurance policy out there. Call [mapi-phone /] to get free quotes from top companies and helpful answers to your questions.

Additional Resources for New Mexico Drivers

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