Skip to main content

New Mexico Car Insurance

New Mexico is a state rich in culture, history and natural beauty, from the ruins of Chaco Culture National Historical Park to its desert landscapes. Amica offers insurance solutions to fit the diverse needs of drivers in New Mexico, allowing them to travel with confidence no matter where their journeys take them.

Amica offers customized New Mexico car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Auto insurance minimums in New Mexico

In New Mexico, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $10,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you're responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering and lost wages. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This is coverage for damage to someone else's property that you're responsible for causing in an auto accident. It can apply to the damage of the other person's vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, New Mexico mandates coverages for uninsured motorist bodily injury and uninsured motorist property damage, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person*
    • $50,000 per accident*

Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you're hurt in a car accident and the responsible party either doesn't have insurance, or doesn't have enough insurance.

Uninsured motorist property damage coverage: This insurance protects your vehicle in the event it's damaged in an accident caused by an uninsured driver or a hit-and-run driver who cannot be identified.

*In New Mexico, these coverages are stacked and can be rejected by informing your insurance carrier in writing.

It's important to understand that these are just the minimum requirements, and New Mexico drivers may choose higher coverage limits for added protection. 

Additional New Mexico car insurance coverage

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Medical payments: This coverage can help pay for medical expenses for you and your passengers if you're injured in an accident, regardless if you're at fault for the accident. Medical payments coverage can apply to expenses including ambulance rides, hospital stays, surgery and rehabilitation.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows, and other auto glass, without a deductible.

Key factors impacting New Mexico car insurance rates

There are several factors that impact auto insurance in New Mexico, including individual circumstances, geographical location, weather patterns and more. Here are some key points to consider:

  • Driving history: Driving records play a considerable role in determining your car insurance rates in New Mexico. Drivers with a history of accidents may pay higher rates than those with clean records.
  • Coverage options and limits: Choosing the minimum state-required coverage is typically more affordable, while adding optional coverages with higher limits will result in higher premiums.
  • Vehicle type: The car's safety ratings, repair costs and likelihood of theft are all considered when determining your New Mexico car insurance rates.
  • Claims in New Mexico: Higher rates of accidents, theft or other incidents may lead to higher premiums for all drivers in the area. 

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings on car insurance in New Mexico with discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some discounts that you may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your New Mexico policy premium upfront.

If you're a New Mexico driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 30% with a multiline discount.

Facts and figures about New Mexico

Fun facts about New Mexico:

  • Due to the large amount of national laboratories, New Mexico has more Ph.D.s per capita than any other state.2
  • New Mexico is known for its vibrant hot air ballooning scene, hosting the largest hot air balloon festival in the world.2
  • The roadrunner, New Mexico’s state bird, can reach a maximum speed of 20 mph.3

Facts about driving in New Mexico:

  • Teens in New Mexico can receive a learner’s permit at the age of 15 and a provisional license at the age of 15 years and six months.4
  • In New Mexico, drivers 75 and older are required to renew their license every year.4
  • There are no toll roads in New Mexico.5

How to get car insurance in New Mexico

We’re here to guide you through the process of personalizing your car insurance in New Mexico. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to New Mexico drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, New Mexico drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 16 Facts About New Mexico You Never Would Have Guessed
3 National Park New Mexico: Greater Roadrunner
4 Governors Highway Safety Association: New Mexico
5 New Mexico Driving Guide
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

This inclusion of non-Amica companies, products, services or statement herein (“Third-Party Content”) is for general informational purposes only and does not constitute a recommendation or endorsement by Amica Insurance. Policies, views, opinions or positions of Third-Party Content expressed herein are those of the authors and do not necessarily reflect the policies, views, opinions or positions of Amica Insurance. Amica Insurance makes no warranties, express or implies, as to the accuracy and reliability of Third-Party Content.

This content may contain helpful tips, explanation and advice. Your use of this information is voluntary and may not be effective in every circumstance. Amica encourages you to use good judgement and put safety first.

For more information on our editorial process and content standard, take a look at our editorial guidelines.