New Mexico Department of Insurance Laws

State Insurance Departments

State of New Mexico Car Insurance Requirements

New Mexico requires motor vehicle owners to carry liablity insurance.

In New Mexico, drivers are expected to operate their motor vehicles with a minimum of liability auto insurance. Minimum auto liability insurance amounts required in New Mexico are:

- $25,000 for bodily injury to or death of one person,
- $50,000 for bodily injury to or death of two or more persons, and
- $10,000 for property damage in any one accident.

Registration of your vehicle(s) may be denied or delayed if the New Mexico MVD Registration file does not show insurance coverage for the vehicle(s). Drivers that do not have minimum liability auto insurance may have their vehicle registration suspended.

What happens if I don't get New Mexico insurance?

Vehicles that do not have the minimum liability insurance are subject to having that vehicle registration suspended. Registration of your vehicle(s) may be denied or delayed until insurance is obtained. The New Mexico Mandatory Financial Responsibility Act states that an owner of an uninsured vehicle must return the vehicle registration and the license plate to the MVD within ten days of receiving the Notice of Suspension of Registration letter. If the owner does not do so, the owner will be subject to the penalties prescribed by law, including criminal penalties.

Will my out-of-state car insurance be accepted in New Mexico?

Yes. Out-of-state car insurance is acceptable in New Mexico, but it must meet New Mexico's minimum liability requirements:

- $25,000 for bodily injury or death to one person in any accident, subject to this limit for one person
- $50,000 for bodily injury to or death of two or more persons in any one accident
- $10,000 for injury to or destruction of property of others in any one accident.
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