Get Car Insurance in New Mexico
Whether you’re a driver looking for a
car insurance quote or you just want to learn more about buying car insurance in New Mexico, we’re here to help. With the
AARP® Auto Insurance Program from The Hartford,
1 you can get the coverage you need at the right price. In fact, The Hartford is an auto insurance company that’s been providing car insurance coverages in New Mexico since 1984.
New Mexico is a state rich with cultural and scenic diversity. As you travel New Mexico’s roadways and enjoy all that the Land of Enchantment has to offer, you can feel protected with car insurance from The Hartford.
Proof of Car Insurance in New Mexico
It’s important for drivers to have New Mexico auto insurance. For instance, if you’re involved in an accident, New Mexico state laws require you to furnish a copy of your car insurance ID card if requested by a police officer or other party. That’s why keeping a copy of your ID card in your vehicle with your registration is a good idea.
Car Insurance Benefits Offered to New Mexico Drivers
While it’s important to follow insurance requirements in New Mexico, AARP members can still qualify for certain discounts from the AARP Auto Insurance Program from The Hartford, including:
- New Car Replacement,§§ so if you total your new car, we’ll replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.
- Accident Forgiveness‡ – As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
- Disappearing Deductible‡ is an optional benefit that reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.
- 24/7 Claim Service that allows you to reach our representatives at any time of day at 800-243-5860.
What Are the Car Insurance Requirements in NM?
- $25,000 for bodily injury, per person per accident
- $50,000 for bodily injury, total per accident
- $10,000 for property damage per accident
New Mexico Uninsured Driver Facts
According to a 2021 Insurance Research Council report, 21.8% of New Mexico drivers were uninsured in 2019. This is above the national average of 12.6%.3
Being involved in an accident with an uninsured or underinsured motorist could be financially devastating. New Mexico requires this coverage to be part of your policy. However, you do have the option to turn down uninsured/underinsured coverage and still be compliant with car insurance laws, but you must do so in writing.
Additional New Mexico Car Insurance Coverages Available to Drivers
For added protection, New Mexico drivers may also be eligible for the following
auto insurance coverages from the AARP Auto Insurance Program from The Hartford:
- Comprehensive coverage helps pay for the cost of damage to your car for non-collision related claims. For instance, if theft damages your car, this coverage can help.
- Collision coverage, which helps pay for damage to your car from a collision with another vehicle or an object like a fence or tree. It also helps cover damage from only your car, like a rollover accident.
- Medical payments coverage to help pay for medical expenses and rehabilitation if you’re in an accident.
- Rental reimbursement, which can help cover rental cars.
- Roadside assistance that offers a network of 40,000 towing services across the U.S. You can reach us at RESCUE 1-800® by calling 800-322-7789.
What Is the Average Cost of Auto Insurance in New Mexico?
The average cost of full coverage car insurance in New Mexico is $1,419 per year.4 Some factors that influence your auto insurance rates include your:
- Driving history
- Type of car
- Credit score
- Zip code
To find the cheapest car insurance rates, you’ll want to get multiple quotes from different car insurance companies and compare them. To get started,
get a quote from us today.
Staying Safe on New Mexico Roads
As you travel through New Mexico, there are a number of safe driving laws meant to protect you on New Mexico’s highways and byways. Here are just a few:5
New Mexico Seat Belt Laws:
New Mexico is one of 34 states that have a primary seat belt law. This means that law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.
New Mexico Distracted Driving Laws:
New Mexico has a number of laws in place to discourage distracted driving:
- New drivers in New Mexico are not allowed to use hand-held or hands-free cell phones.
- Texting while driving is banned in New Mexico.
New Mexico Teen Driver Laws:
Getting a driver’s license is a rite of passage for teenagers, and New Mexico wants to be sure they stay safe in the process. New Mexico has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity required to be safe behind the wheel. Graduated licensing laws help to:
- Limit nighttime driving
- Restrict teen passengers
- Ensure an adequate amount of supervised driving practice
Get a Free New Mexico Car Insurance Quote
We can help you learn more about liability insurance requirements in New Mexico and get a quote for our insurance products and services. You can speak with one of our customer service specialists at
888-546-9099 or get a
quote online. We’ll help you find the best auto coverages to fit your individual needs.
Last Updated: October 5, 2023
2 Rocky Mountain Insurance Information Association (RMIIA), “New Mexico Auto Insurance Requirements.”
3 Insurance Information Institute (III), “Facts + Statistics: Uninsured Motorists.”
4 Bankrate, “Average Cost of Car Insurance in New Mexico for 2022.”
5 Governors Highway Safety Association (GSHA), “State Laws.”
