Car Insurance in New Mexico

All About Full Coverage Car Insurance in New Mexico

State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident

What Is Full Coverage Insurance?

Full coverage is the financial coverage of your car after a car accident that includes Collison and comprehensive. Having these two coverages added on to your auto policy is not mandatory.

Think of Full Coverage as a “safety net” if you were involved in an accident in which the other party had no insurance, you would be covered financially after you pay the deductible on the policy.

Listed below is each coverage and what they are responsible for:

Bodily Injury: Bodily injury covers the injuries that the other driver sustains after the car accident in which you caused. 

Property Damage: any sufficient damage that you cause to the other driver’s vehicle or any damage to a structure in the accident. 

Uninsured/Underinsured Motorist: Uninsured motorist coverage is needed in any event you are in a car accident with a driver who does not obtain car insurance at all when involved in an at-fault accident of said incident.

Whereas underinsured motorist coverage is responsible for paying for damages caused by the driver that does not have enough coverage on their policy to pay for the aftermath. 

Personal Property Injury:  PPI is responsible for paying for your medical expenses when you are injured from a car accident.

PIP is a beneficial optional coverage to have  because it pays out for the expenses no matter who is at fault in the incident. 

Collison: When you are in an accident with collision coverage you are not obligated to wait on the other driver’s insurance company to pay for your damages and instead get your damages repaired with your own company to have a faster service. 

Comprehensive: Comprehensive coverage is responsible for any external causes to your vehicle damage whether that be an object falling onto the car, or a ball hitting the windshield. 

How to Get a Free Quote for New Mexico


Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.



Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have



We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.



Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

New Mexico Car Insurance Laws for Full Coverage?

When shopping for New Mexico full coverage insurance keep in mind the state minimum you would need to be able to drive legally. The liability limit is twenty-five thousand for bodily injury, fifty-thousand in property damage, and ten thousand per accident for the property.

When you are looking for full coverage, Comprehensive and Collision, you also have the ability to add additional coverages to your policy. Additional coverages include but are not limited to: Medical Payments, Uninsured/Underinsured motorist, etc. 

Rates For Car Insurance in New Mexico

Finding the cheapest car insurance premium can be difficult but with the help of A Plus Insurance we are dedicated to finding the best rate.

When shopping around, car insurance rates can vary depending on a few factors that include: age, driving history, gender, credit score, etc.

It’s very important to have said criteria present so that the process of finding your premium is much faster.

Your driving history is compiled with traffic violations that you have made in the last five years.

Traffic violations include serious violations such as driving under the influence, driving with no license, or driving without any registration.

It’s very important to keep in mind that these are factors that could make your car insurance in New Mexico premium either expensive or affordable.

Other factors include the make, model, and car in order to get your premium which can vary depending on the vehicle.

Another key component is gender, when it comes to car insurance males pay more due to them being more high-risk drivers. As well as your credit score , whether that be good or bad, all these components play a major role in getting your insurance rate. 

Best Full Coverage Car Insurance Rates for Females in New Mexico


These prices are subject to change after discussing matters with an agent.

Car Insurance in New Mexico Rates For Male Drivers

Progressive Insurance$155
Bristol West$157
Mendota Ins. Company$159
These prices are subject to change after discussing matters with an agent.

How Much for Full Coverage Insurance?

Listed below are premiums that we or other companies have to offer:

Car Insurance Rates in New Mexico for Full Coverage

National General$122
Bristol West$137
Progressive Insurance$148
The General$150
These prices are subject to change after discussing matters with an agent.

Best Full Coverage Rates for a High-Risk Driver in New Mexico

When shopping around for car insurance in New Mexico, it can be quite difficult finding the cheapest premium when you are considered a high-risk driver. In most cases, a carrier will decline insuring someone who is a high-risk to their company.

A high-risk driver is a driver who has multiple violations on their record, has been caught driving under the influence, has several at-fault accidents on their record, has drove without insurance, driving with a suspended license and are required by their state DMV to obtain a form called SR22.

A SR22 form is needed to be attached to your liability insurance policy to meet the state requirements. When you are needing this form it is best to call your insurance company and tell them that you are needing to sign the form so you can continue to keep your license. Keep in mind, a SR22 will need to be active on an insurance policy for 3 years consecutive in most cases.

There are two types of SR22 that are called owners and non-owners. Owners SR22 is given to a client who is wanting to keep their license and has their own vehicle where as non-owners is given to a client that is needing to be insured but does not currently own a car.

Here’s What Our Clients Say About Us​

Car Insurance Rates in New Mexico for High-Risk Drivers

Progressive Insurance$105
The General$123
Bristol West$144
Mendota Ins. Company$153
Acceptance RTR$213
State Farm$245
These prices are subject to change after discussing matters with an agent.

What types of car insurance plans are available in New Mexico?

We offer various car insurance plans tailored to New Mexico residents, including liability coverage, comprehensive insurance, collision coverage, uninsured/underinsured motorist protection, and more.

How can I get a quote for car insurance in New Mexico?

To get a personalized quote, you can reach out to us through our website or give us a call at 1.888.445.2793. Our team will assist you in obtaining a tailored quote based on your specific needs and circumstances in New Mexico.

What factors affect car insurance rates in New Mexico?

Several factors impact car insurance rates in New Mexico, such as driving history, the type of vehicle, coverage limits, location within the state, and more. We’ll help assess these factors to find the most suitable and cost-effective insurance plan for you.

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Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

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Homeowners, renters, and mobile home owners: make sure you have the protection you need.

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Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Full coverage car insurance in New Mexico links

Other Links for New Mexico Insurance
Liability Insurance | New Mexico
Motorcycle Insurance | New Mexico
Homeowners Insurance | New Mexico
Broadform / Non-Owners Insurance | New Mexico
Car Insurance in New Mexico

Last Updated on by Marlon Moss

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