cheap new mexico car insurance

Vehicle insurance in New Mexico

Vehicle insurance: All about Liability Insurance in New Mexico


Minimum Liability Requirements for New Mexico


By Danielle D | CSR at | Powered by A Plus Insurance

Cheap New Mexico Auto Insurance
2023 cheap new mexico car insurance

Cheap New Mexico Car Insurance: Is New Mexico an at Fault State?

New Mexico is a fault state, meaning it uses a tort-based system. The party responsible for the wrong-doing that caused the car accident will be financially liable to all victims involved. You will need to open a claim with the at-fault person’s insurance company to pursue damage recovery.

  • $25,000 in bodily injury insurance per person
  • $50,000 in bodily injury insurance per accident
  • $10,000 in property damage insurance

New Mexico Insurance Requirements

In New Mexico liability insurance is the only insurance that is required. However, you have the open option to decide if you are wanting to add additional insurance. If you read below, you can get a better understanding of estimated offers and using your personal information you can see a more accurate price range.

Cheap New Mexico Car Insurance
2023 cheap new mexico car insurance

Liability Insurance New Mexico: Coverages

All Coverages Explained

Welcome Center-Auto Insurance
Change image if you want!

Liability Insurance: means “responsibility” liability helps pay out when you are responsible for an any accident. (required)

Collison Insurance: when there is a collision with another vehicle that there are damage of property regardless of who’s fault it is. (not required)

Personal Injury Protection: this coverage is to help with any expenses that makes the individual responsible for their own injuries in an accident regardless of fault. (not required)

Uninsured and Underinsured Motorist: uninsured is when someone is found at fault for an accident but doesn’t carry liability. Underinsured is when someone is found at fault but their limits are too low for the medical expense.(not required)

Comprehensive Insurance:  can help pay the costs of damage to your car for non-collision related claims, can be road damage, hail, rock, etc. (not required)

Medical Payments Insurance: this coverage will help if there are any medical bill’s that needed to be paid due to an accident. (not required)

Cheap New Mexico Car Insurance: Liability Insurance New Mexico

These Carriers listed are the average prices they offer in New Mexico just for liability only. Take a look at what could possibly be expected in rough estimate of these carriers in New Mexico.

CarrierAverage Prices
Assurance America$102
The General$103
national General$104
Acceptance RTR$105
State Farm$121
Bristol West$122
All state$142
21 Centry$144
Liberty Mutual$154
American Family$159
State Auto$177
Liability Insurance New Mexico

Cheap New Mexico Car Insurance: Full Coverage

The carriers also listed are their estimated offer prices for Full coverage insurance which keep in mind is liability with additional insurance.

American family$141
All State$145
National General$146
Assurance America$163
Bristol West$166
The General$169
21 Centry$173
State Farm$176
Acceptance RTR$185
Liberty Mutual$206
State Auto$209
Liability Insurance New Mexico
Full coverage

Liability Insurance New Mexico: Full Coverage Insurance New Mexico

The prices listed above are accurate rates that is expected in New Mexico. The insurance cost estimator can give you a more accurate rate depending on your more detailed personal information.

Insurance Cost Estimator

Liability Insurance New Mexico: Full Coverage Insurance New Mexico

Deciding which coverage’s best fit you can be a bit challenging, to help the debating between if you may or may not end up getting full coverage the calculator can help suggest that decision.

Should I Get Full CoverageCalculator

Cheap New Mexico Insurance: Discount Estimator

By getting insurance through a carrier, you are able to see if you can be suitable for discount’s by taking this calculator to help decipher.

Insurance Discount Calculator


Additional New Mexico Insurance
Full Coverage Insurance | New Mexico
Motorcycle Insurance | New Mexico
Homeowner’s Insurance | New Mexico
Broadform / Non-Owners Insurance | New Mexico

Last Updated on by Alexis Karapiperis