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Auto Insurance, Now in 34 states!

Cheap New Mexico Car Insurance

Minimum Liability Requirements for New Mexico: 25/50/10

Auto Insurance, Now in 34 states!

Cheap New Mexico Car Insurance

Minimum Liability Requirements for New Mexico: 25/50/10

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
Cheap New Mexico Car Insurance
Minimum Liability Requirements for New Mexico: 25/50/10

New Mexico Liability 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.

Liability Insurance New Mexico: Coverages

All Coverages Explained

Cheap New Mexico Car Insurance
cheap new mexico car insurance

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

Collison Insurance: when there is a collision with another vehicle, there is property damage regardless of whose fault it is. (not required)

Personal Injury Protection: this coverage is to help with any expenses that make 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 any medical bills needed to be paid due to an accident. (not required)

Cost for Liability only in New Mexico (by city)

CityPrice
Placitas CDP$108.00
West Hammond$87.00
Lee Acres$95.00
North Valley$86.00
Peralta$106.00
Taos$110.00
Bosque Farms$98.00
Carlsbad$90.00
University Park$99.00
Portales$94.00
Bayard$106.00
North Hobbs$109.00
Lordsburg$96.00
Santa Fe$104.00
Rio Communities$94.00
Clayton$110.00
Farmington$108.00
Eldorado at Santa Fe$89.00
Clovis$101.00
Agua Fria$95.00
Ruidoso Downs$92.00
Roswell$99.00
Shiprock$92.00
Ruidoso$105.00
Sunland Park$100.00
Chaparral$108.00
Deming$107.00
Albuquerque$97.00
Crownpoint$105.00
Tularosa$86.00
Los Chaves$92.00
Paradise Hills$101.00
Aztec$91.00
Rio Rancho$104.00
Cannon AFB$95.00
Alamogordo$107.00
Chimayo$98.00
Anthony$106.00
Las Vegas$93.00
Gallup$101.00
La Cienega$89.00
El Cerro$87.00
Sandia Heights$93.00
Los Ranchos de Albuquerque$95.00
Los Lunas$104.00
Lovington$94.00
Truth or Consequences$109.00
Socorro$110.00
South Valley$89.00
Las Cruces$88.00
Cheap New Mexico Car Insurance

Cheap New Mexico Car Insurance: Liability

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

CarrierAverage Prices
Mendota$86
progressive$93
Assurance America$102
The General$103
National General$104
Acceptance RTR$105
Dairyland$116
USAA$119
State Farm$121
Bristol West$122
Safeco$125
Farmers$140
Geico$140
All state$142
21 Centry$144
Travelers$146
Liberty Mutual$154
American Family$159
Nationwide$159
Gainsco$176
State Auto$177
Liability Insurance New Mexico
Liability

Cheap New Mexico Car Insurance: Full Coverage

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

CarrierPrice
Progressive$135
American Family$141
All State$145
National General$146
USAA$147
Assurance America$163
Bristol West$166
The General$169
Travelers$170
Gainsco$171
21 Centry$173
Nationwide$173
Geico$175
Farmers$176
State Farm$176
Safeco$177
Acceptance RTR$185
Dairyland$185
Mendota$185
Liberty Mutual$206
State Auto$209
Liability Insurance New Mexico
Full coverage

New Mexico Auto Insurance Estimator

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


Should I upgrade to full coverage in New Mexico (by city)

CityAverage Price
Socorro$152
Farmington$171
University Park$165
Gallup$177
Deming$161
Ruidoso Downs$172
Truth or Consequences$175
Silver City$167
Los Alamos$147
Anthony$180
Grants$159
Holloman AFB$176
Lordsburg$147
Lovington$152
Paradise Hills$182
Artesia$177
North Hobbs$149
Rio Communities$177
Milan$146
Bloomfield$157
Alamogordo$182
Española$159
Agua Fria$158
Sunland Park$154
Albuquerque$164
Tularosa$163
Portales$160
Ruidoso$152
Eunice$157
Sandia Heights$165
Dulce$166
Chimayo$175
South Valley$158
Placitas CDP$173
Los Lunas$174
Edgewood$161
Zuni Pueblo$165
El Cerro$176
Las Cruces$163
Hobbs$159
Santa Teresa$162
White Rock$182
Belen$167
Cannon AFB$173
Rio Rancho$153
Corrales$163
El Cerro Mission$162
Bayard$176
Peralta$161
Bosque Farms$150
Los Chaves$181
Crownpoint$160
Chaparral$163
Santa Rosa$146
Carlsbad$174
Aztec$166
Vado$166
Los Ranchos de Albuquerque$154
Clayton$178
Cheap New Mexico Car Insurance

New Mexico Full Coverage Calculator

Deciding which coverage 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


Who has the lowest liability price in New Mexico (by city)

CityAverage Price
North ValleyThe General
ShiprockBristol West
Eldorado at Santa FeProgressive
PeraltaGeico
AztecNational General
CarlsbadBristol West
HobbsProgressive
GallupProgressive
Santa FeGeico
GrantsDairyland*
ClovisThe General
LovingtonBristol West
Los AlamosGeico
BloomfieldGeico
Santa RosaProgressive
RatonProgressive
University ParkFarmers
CorralesFarmers
Rio CommunitiesProgressive
TucumcariProgressive
Holloman AFBProgressive
SocorroGeico
TularosaProgressive
FarmingtonNational General
Los ChavesLiberty Mutual
Agua FriaBristol West
BernalilloProgressive
CrownpointGeico
AnthonyProgressive
Cannon AFBProgressive
White RockProgressive
La MesillaDairyland*
Placitas CDPGeico
Rio RanchoProgressive
RoswellProgressive
Meadow LakeLiberty Mutual
Los Ranchos de AlbuquerqueGeico
Los LunasProgressive
ClaytonBristol West
Bosque FarmsThe General
RuidosoProgressive
TaosThe General
El Cerro MissionProgressive
BelenProgressive
EuniceThe General
DemingProgressive
LordsburgDairyland*
AlamogordoProgressive
ArtesiaLiberty Mutual
North HobbsProgressive
DulceFarmers
Silver CityLiberty Mutual
EdgewoodThe General
Cheap New Mexico Car Insurance

How Do I get Cheap New Mexico Car Insurance? Discounts

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

Insurance Discount Calculator


Q1: What factors affect the cost of car insurance in New Mexico?

Several factors affect the cost of car insurance in New Mexico, including driving history, age, location, type of vehicle, coverage selected, and credit score.

Q2: How can I find cheap car insurance in New Mexico?

To find cheap car insurance in New Mexico, compare quotes from different insurers, inquire about available discounts, consider bundling policies, and maintain a clean driving record. Call us at 1.888.445.2793 for personalized assistance.

Q3: What are some tips to reduce car insurance costs in New Mexico?

Some tips to reduce car insurance costs in New Mexico include maintaining a good driving record, opting for higher deductibles, taking advantage of available discounts, and avoiding unnecessary coverage.

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Cheap New Mexico Car Insurance Article

Description: Discover how to get affordable car insurance in New Mexico. Learn about discounts, coverage options, and more. Call us at 1.888.445.2793 for personalized assistance.

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Last Updated on by Camron Moss

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