New Mexico Car Insurance Requirements
Numbers refreshed
Every New Mexico driver must carry minimum coverage, and this explains what it pays for.
- $56.average monthly liability cost.
- 25/50/10.the lowest liability limits.
- This state ranks 24th of 51 for cost (1st = highest).
What the state of New Mexico requires
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $10,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Not required |
| Underinsured motorist | Not required |
| Fault system | At-fault |
Source: New Mexico MVD, Required Automobile Insurance; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
Coverage provided by each amount
Liability in New Mexico must reach at least 25/50/10. Each person hurt is covered for $25,000, everyone hurt in one crash for $50,000, and damage to other people's property for $10,000.
A newer car and medical bills often run above these limits. Amounts beyond those limits can be claimed from you, which is why many drivers purchase 100/300/100 instead. The average yearly price for liability coverage in New Mexico is $669.
Driving without insurance
In New Mexico, your license and registration can be lost if you drive uninsured. Getting them back may require proof of insurance, filed for several years.
For questions, contact the New Mexico Taxation and Revenue Department, Motor Vehicle Division (MVD).
First written