New Mexico Auto Insurance Quotes

New Mexico auto insurance If you drive in New Mexico, you must establish financial responsibility to cover the cost of any injury or damage that occurs. The easiest way to do that is to buy auto insurance.

The amount you have to pay is different for every driver. For example, you'll pay more if you are a young man with no driving record, and less if you are a safe driver with years of experience. Your credit score also plays a part. If you have bad credit, you may have to pay your entire premium upfront.

One way to reduce your premium is to increase your deductible. You can also buy a car with a good safety record and limit the number of miles you drive.

Sample of Annual New Mexico Auto Insurance Rates

Albuquerque Auto Insurance

Albuquerque is New Mexico's largest city, and is located in the central part of the state in the high desert. Albuquerque is rich in history and cultural flavor and packed with activities. The sun shines 310 days of the year in the city. The Indian Pueblo Cultural Center and Petroglyph National Monument offer a stark contrast to Albuquerque's modern and bustling downtown. The Rio Grande flows through the center of town. Albuquerque is home to the University of New Mexico, Kirtland Air Force Base, Sandia National Laboratories, and the National Museum of Nuclear Science & History.

Interstate 40 travels west through the Laguna Pueblo and east through the mountains to Santa Rosa. Interstate 25 travels north through the Santa Ana Pueblo to Santa Fe and south through the Isleta Pueblo and on to Las Cruces.

City Single Married
Low High Low High
Albuquerque $799.00 $2,530.00 $732.00 $2,049.00

Rio Rancho Auto Insurance

Rio Rancho is a city just north of Albuquerque. It was originally built and marketed to Midwestern and New York-area retirees, it is now geographically larger than Albuquerque. The Intel Corporation is the largest employer in Rio Rancho, by far. Although it is geographically close to Albuquerque, since the 1990s, Rio Rancho has been taking steps to maintain its autonomy, including establishing separate school and library systems.

New Mexico Route 538 travels north and south through town, leading south to Albuquerque. Just east of town, Interstate 25 travels south into Albuquerque and north through the Santa Fe National Forest and into Santa Fe.

City Single Married
Low High Low High
Rio Rancho $822.00 $2,220.00 $754.00 $1,810.00

Las Cruces Auto Insurance

Las Cruces is a city in southern New Mexico and is known as the City of the Crosses. It is the second most populous city in the state after only Albuquerque. Las Cruces is home to New Mexico State University, which is New Mexico's only land-grant school. The federal White Sands Test Facility and White Sands Missile Range are nearby. Las Cruces is home to the annual Border Book Festival and two wine festivals each year.

U.S. Highway 70 travels northeast from town through the White Sands National Monument. Interstate 25 travels north toward Albuquerque. Interstate 10 travels through town, heading south to El Paso, Texas and west through Deming and into Arizona.

City Single Married
Low High Low High
Las Cruces $694.00 $1,840.00 $641.00 $1,596.00

Pie Town Auto Insurance

Pie Town is nestled between the Cibola and Gila national forests in western New Mexico. The unincorporated town of less than 200 people is said to have derived its name from a 1920s bakery. Pie Town is the location of the annual Pie Festival. The town is also the location of the Very Large Array radio telescope.

Pie Town is located along U.S. Highway 60, which travels east through the Cibola National Forest to Socorro and west to Quemando.

City Single Married
Low High Low High
Pie Town $704.00 $2,022.00 $654.00 $1,613.00

Edgewood Auto Insurance

Edgewood is a town east of Albuquerque in central New Mexico. It is located on the historic Route 66 "where the mountains meet the plains." Edgewood is home to the annual Edgewood Father's Day Car Show. It is also home to the Edgewood Cowboy Days, an event that pits some of the world's best performers in a western-themed competition.

Interstate 40 travels through town and heads west to Albuquerque and east to Clines Corners. New Mexico Route 344 travels north to Cedar Grove, near the South Mountain.

City Single Married
Low High Low High
Edgewood $825.00 $2,308.00 $758.00 $1,819.00

Santa Fe Auto Insurance

Santa Fe is the state capital and is located in north central New Mexico. In 2017, National Geographic named Santa Fe the number one city with a sense of place. Santa Fe has served as a trading center for hundreds of years, originally occupied by Pueblo villages in about the 11th Century. 7,000-foot Rocky Mountain Vistas overlook the city's sharp contrast of ancient native culture and vibrant modern art and cuisine. UNESCO named Santa Fe a Creative City in design, crafts and folk art.

Interstate 25 skirts the town to the south, heading to Albuquerque to the west before heading northeast into Colorado. U.S. Highway 285 heads north into the Espanola Santa Clara Pueblo and south to Vaughn. New Mexico Route 475 heads northeast to Lake Peak Mountain.

City Single Married
Low High Low High
Santa Fe $839.00 $2,174.00 $771.00 $1,718.00

Roswell Auto Insurance

Roswell is a city in southeastern New Mexico. Located on the most southern outskirts of the Rocky Mountains, Roswell serves as a hub of skiing, outdoor adventure, art and shopping. It is the fifth largest city in New Mexico. Roswell became famous following an incident that UFO enthusiasts call a crash landing of an alien vessel in 1947. It is the home of the International UFO Museum and Research Center. Roswell has been named an All-American city.

U.S. Highway 380 travels east and west through town and U.S. Highway 285 travels north and south. U.S. 380 heads west to the Mescalero Reservation and east into the Texas Panhandle. U.S. 285 heads north toward Santa Fe and south to Carlsbad. U.S. Highway 70 heads northeast to Clovis.

City Single Married
Low High Low High
Roswell $694.00 $2,016.00 $641.00 $1,763.00

Carlsbad Auto Insurance

Carlsbad is a city in southeast New Mexico in the Chihuahuan desert along the Pecos River. The famous Carlsbad Caverns are 18 miles southwest of the city. Carlsbad has a municipal beach, and the Lincoln National Forest is to the northwest of town. Oil and gas exploration as well as potash mining help drive the Carlsbad economy.

U.S. Highway 285 travels north to Artesia and south into Texas. U.S. Highway 62 travels southwest to the Carlsbad Caverns and into Texas along the Guadalupe Mountain National Park. U.S. 62 travels east to Hobbs and into the Texas Panhandle.

City Single Married
Low High Low High
Carlsbad $694.00 $2,024.00 $641.00 $1,827.00

Angel Fire Auto Insurance

Angel Fire is a village in north central New Mexico, and is known as one of New Mexico's top skiing destinations. Outdoor recreation dominates the culture of Angle Fire, whether it is on the ski slopes during the winter, or hiking and fishing during the summer. Every summer, Angle Fire is home to the Music from Angel Fire concert series.

U.S. Highway 64 passes Angle Fire to the west by Sierra De Don Fernando Mountain and north by Eagle Nest Lake. New Mexico Route 434 travels south from Angel Fire by Ocate Mesa to Mora.

City Single Married
Low High Low High
Angel Fire $708.00 $2,022.00 $658.00 $1,631.00

Farmington Auto Insurance

Farmington is a city in the northwest corner of New Mexico just off the Navajo Nation Reservation. Known as the gateway to the four corners, Farmington is near Aztec Ruins, Chaco Canyon and a downtown with more than 100 restaurants. Farmington's culture embraces the outdoor adventurous spirit, and they say they are where "outdoor lovers and active families thrive." The San Juan River, Animas River and La Plata River join near Farmington on the Colorado Plateau.

U.S. Highway 64 travels west through the Navaho Nation off Reservation Trust Land and continues west to Arizona and the Four Corners Monument. U.S. 64 heads east to Bloomfield. U.S. Highway 550 travels north into Colorado along the Animas River. New Mexico Route 371 heads south into the Navajo Nation Off-Reservation Trust Land.

City Single Married
Low High Low High
Farmington $773.00 $1,978.00 $710.00 $1,503.00

City Single Married
Low High Low High
Abiquiu $799.00 $2,189.00 $735.00 $1,718.00
Alamogordo $694.00 $1,840.00 $641.00 $1,416.00
Albuquerque $799.00 $2,530.00 $732.00 $2,049.00
Alcalde $807.00 $2,189.00 $741.00 $1,718.00
Algodones $799.00 $2,189.00 $735.00 $1,875.00
Alto $708.00 $2,022.00 $658.00 $1,540.00
Amalia $821.00 $2,189.00 $753.00 $1,660.00
Amistad $708.00 $2,022.00 $658.00 $1,611.00
Angel Fire $708.00 $2,022.00 $658.00 $1,631.00
Animas $704.00 $2,022.00 $654.00 $1,540.00
Anthony $694.00 $1,840.00 $641.00 $1,596.00
Anton Chico $708.00 $2,022.00 $658.00 $1,694.00
Aragon $704.00 $2,022.00 $654.00 $1,540.00
Arenas Valley $685.00 $2,022.00 $635.00 $1,540.00
Arrey $708.00 $2,022.00 $658.00 $1,540.00
Arroyo Seco $809.00 $2,189.00 $743.00 $1,749.00
Artesia $703.00 $2,016.00 $649.00 $1,763.00
Aztec $789.00 $1,978.00 $726.00 $1,503.00
Bard $708.00 $2,022.00 $658.00 $1,611.00
Bayard $708.00 $2,022.00 $658.00 $1,540.00
Belen $822.00 $2,308.00 $754.00 $1,953.00
Bent $694.00 $2,022.00 $641.00 $1,540.00
Berino $694.00 $1,840.00 $641.00 $1,596.00
Bernalillo $799.00 $2,308.00 $735.00 $1,922.00
Blanco $789.00 $1,978.00 $726.00 $1,503.00
Bloomfield $789.00 $1,978.00 $726.00 $1,503.00
Bluewater Village $791.00 $2,022.00 $728.00 $1,584.00
Bosque $822.00 $2,053.00 $754.00 $1,847.00
Bosque Farms $803.00 $2,308.00 $738.00 $1,953.00
Brimhall $789.00 $1,978.00 $726.00 $1,567.00
Broadview $708.00 $2,022.00 $658.00 $1,611.00
Buckhorn $704.00 $2,022.00 $654.00 $1,540.00
Buena Vista $708.00 $2,022.00 $658.00 $1,694.00
Caballo $708.00 $2,022.00 $658.00 $1,540.00
Canjilon $799.00 $2,189.00 $735.00 $1,728.00
Canones $799.00 $2,189.00 $735.00 $1,718.00
Capitan $708.00 $2,022.00 $658.00 $1,540.00
Capulin $708.00 $2,022.00 $658.00 $1,606.00
Carlsbad $694.00 $2,024.00 $641.00 $1,827.00
Carrizozo $708.00 $2,022.00 $658.00 $1,540.00
Carson $821.00 $2,189.00 $753.00 $1,749.00
Casa Blanca $791.00 $2,022.00 $728.00 $1,790.00
Causey $744.00 $2,022.00 $690.00 $1,678.00
Cebolla $799.00 $2,189.00 $735.00 $1,728.00
Cedar Crest $830.00 $2,308.00 $762.00 $2,040.00
Cerrillos $825.00 $2,174.00 $758.00 $1,718.00
Cerro $821.00 $2,189.00 $753.00 $1,660.00
Chacon $708.00 $2,022.00 $658.00 $1,749.00
Chama $822.00 $2,189.00 $754.00 $1,728.00
Chamisal $821.00 $2,189.00 $753.00 $1,682.00
Chaparral $694.00 $1,840.00 $641.00 $1,596.00
Chimayo $821.00 $2,174.00 $753.00 $1,718.00
Church Rock $775.00 $1,978.00 $712.00 $1,567.00
Cimarron $708.00 $2,022.00 $658.00 $1,606.00
Claunch $708.00 $2,022.00 $658.00 $1,645.00
Clayton $708.00 $2,022.00 $658.00 $1,667.00
Cleveland $708.00 $2,022.00 $658.00 $1,701.00
Cliff $704.00 $2,022.00 $654.00 $1,540.00
Clines Corners $708.00 $2,022.00 $658.00 $1,694.00
Cloudcroft $759.00 $2,022.00 $699.00 $1,540.00
Clovis $708.00 $2,022.00 $658.00 $1,611.00
Cochiti Lake $799.00 $2,022.00 $735.00 $1,718.00
Cochiti Pueblo $799.00 $2,189.00 $735.00 $1,718.00
Columbus $677.00 $2,022.00 $629.00 $1,540.00
Conchas Dam $708.00 $2,022.00 $658.00 $1,611.00
Continental Divide $791.00 $1,978.00 $728.00 $1,567.00
Corona $708.00 $2,022.00 $658.00 $1,560.00
Corrales $799.00 $2,220.00 $735.00 $1,873.00
Costilla $821.00 $2,189.00 $753.00 $1,660.00
Counselor $822.00 $2,189.00 $754.00 $1,660.00
Coyote $799.00 $2,189.00 $735.00 $1,718.00
Crossroads $703.00 $2,016.00 $649.00 $1,678.00
Crownpoint $822.00 $1,978.00 $754.00 $1,584.00
Cuba $822.00 $2,189.00 $754.00 $1,660.00
Cubero $791.00 $2,022.00 $728.00 $1,777.00
Cuervo $708.00 $2,022.00 $658.00 $1,630.00
Datil $704.00 $2,022.00 $654.00 $1,574.00
Deming $677.00 $2,022.00 $629.00 $1,540.00
Derry $708.00 $2,022.00 $658.00 $1,598.00
Des Moines $708.00 $2,022.00 $658.00 $1,667.00
Dexter $759.00 $2,016.00 $699.00 $1,763.00
Dixon $807.00 $2,189.00 $741.00 $1,728.00
Dona Ana $694.00 $1,906.00 $641.00 $1,596.00
Dulce $822.00 $2,189.00 $754.00 $1,660.00
Eagle Nest $708.00 $2,022.00 $658.00 $1,631.00
Edgewood $825.00 $2,308.00 $758.00 $1,819.00
El Prado $809.00 $2,189.00 $743.00 $1,749.00
El Rito $799.00 $2,189.00 $735.00 $1,718.00
Elephant Butte $708.00 $2,022.00 $658.00 $1,540.00
Elida $708.00 $2,022.00 $658.00 $1,611.00
Embudo $807.00 $2,189.00 $741.00 $1,718.00
Encino $708.00 $2,022.00 $658.00 $1,694.00
Espanola $807.00 $2,174.00 $741.00 $1,718.00
Estancia $708.00 $2,053.00 $658.00 $1,847.00
Eunice $703.00 $2,048.00 $649.00 $1,848.00
Farmington $773.00 $1,978.00 $710.00 $1,503.00
Faywood $708.00 $2,022.00 $658.00 $1,540.00
Fence Lake $791.00 $2,022.00 $728.00 $1,567.00
Flora Vista $785.00 $1,978.00 $721.00 $1,503.00
Floyd $708.00 $2,022.00 $658.00 $1,611.00
Folsom $708.00 $2,022.00 $658.00 $1,606.00
Fort Stanton $708.00 $2,022.00 $658.00 $1,540.00
Fort Sumner $708.00 $2,022.00 $658.00 $1,611.00
Fort Wingate $791.00 $1,978.00 $728.00 $1,567.00
Fruitland $789.00 $1,978.00 $726.00 $1,503.00
Gallina $799.00 $2,189.00 $735.00 $1,718.00
Gallup $775.00 $1,978.00 $712.00 $1,567.00
Gamerco $775.00 $1,978.00 $712.00 $1,567.00
Garfield $694.00 $1,840.00 $641.00 $1,454.00
Garita $708.00 $2,022.00 $658.00 $1,630.00
Gila $704.00 $2,022.00 $654.00 $1,540.00
Gladstone $708.00 $2,022.00 $658.00 $1,667.00
Glencoe $687.00 $2,022.00 $639.00 $1,540.00
Glenwood $704.00 $2,022.00 $654.00 $1,540.00
Glorieta $840.00 $2,174.00 $772.00 $1,718.00
Grady $708.00 $2,022.00 $658.00 $1,611.00
Grants $791.00 $2,022.00 $728.00 $1,584.00
Grenville $708.00 $2,022.00 $658.00 $1,667.00
Guadalupita $708.00 $2,022.00 $658.00 $1,631.00
Hachita $677.00 $2,022.00 $629.00 $1,540.00
Hagerman $759.00 $2,016.00 $699.00 $1,763.00
Hanover $708.00 $2,022.00 $658.00 $1,540.00
Hatch $694.00 $1,840.00 $641.00 $1,604.00
Hernandez $807.00 $2,189.00 $741.00 $1,718.00
High Rolls Mountain Park $617.00 $2,033.00 $571.00 $1,659.00
Hillsboro $708.00 $2,022.00 $658.00 $1,540.00
Hobbs $703.00 $2,066.00 $649.00 $1,848.00
Holloman AFB $617.00 $1,840.00 $571.00 $1,416.00
Holman $708.00 $2,022.00 $658.00 $1,696.00
Hondo $708.00 $2,022.00 $658.00 $1,540.00
Hope $703.00 $2,016.00 $649.00 $1,763.00
House $708.00 $2,022.00 $658.00 $1,611.00
Hurley $677.00 $2,022.00 $629.00 $1,540.00
Ilfeld $708.00 $2,033.00 $658.00 $1,694.00
Isleta $899.00 $2,530.00 $823.00 $1,975.00
Jal $703.00 $2,048.00 $649.00 $1,848.00
Jamestown $791.00 $1,978.00 $728.00 $1,567.00
Jarales $822.00 $2,180.00 $754.00 $1,953.00
Jemez Pueblo $799.00 $2,189.00 $735.00 $1,660.00
Jemez Springs $822.00 $2,189.00 $754.00 $1,660.00
Kirtland $789.00 $1,978.00 $726.00 $1,503.00
La Jara $822.00 $2,189.00 $754.00 $1,660.00
La Joya $708.00 $2,053.00 $658.00 $1,847.00
La Loma $708.00 $2,022.00 $658.00 $1,694.00
La Luz $694.00 $2,022.00 $641.00 $1,540.00
La Madera $799.00 $2,189.00 $735.00 $1,728.00
La Mesa $694.00 $1,840.00 $641.00 $1,596.00
La Plata $789.00 $1,978.00 $726.00 $1,503.00
Laguna $791.00 $2,022.00 $728.00 $1,790.00
Lake Arthur $759.00 $2,016.00 $699.00 $1,763.00
Lakewood $703.00 $2,036.00 $649.00 $1,838.00
Lamy $843.00 $2,174.00 $774.00 $1,665.00
Las Cruces $694.00 $1,840.00 $641.00 $1,596.00
Las Vegas $708.00 $2,022.00 $658.00 $1,694.00
Lemitar $704.00 $2,053.00 $654.00 $1,847.00
Lincoln $708.00 $2,022.00 $658.00 $1,540.00
Lindrith $799.00 $2,189.00 $735.00 $1,660.00
Llano $821.00 $2,189.00 $753.00 $1,749.00
Loco Hills $703.00 $2,033.00 $649.00 $1,827.00
Logan $708.00 $2,022.00 $658.00 $1,611.00
Lordsburg $704.00 $2,022.00 $654.00 $1,540.00
Los Alamos $733.00 $1,922.00 $677.00 $1,718.00
Los Lunas $803.00 $2,308.00 $738.00 $1,953.00
Los Ojos $822.00 $2,189.00 $754.00 $1,728.00
Loving $694.00 $2,024.00 $641.00 $1,827.00
Lovington $703.00 $2,048.00 $649.00 $1,848.00
Luna $704.00 $2,022.00 $654.00 $1,540.00
Magdalena $704.00 $2,022.00 $654.00 $1,597.00
Malaga $694.00 $2,033.00 $641.00 $1,827.00
Maljamar $703.00 $2,048.00 $649.00 $1,848.00
Maxwell $708.00 $2,022.00 $658.00 $1,606.00
Mayhill $759.00 $2,022.00 $699.00 $1,540.00
Mcalister $708.00 $2,022.00 $658.00 $1,611.00
Mcdonald $715.00 $2,016.00 $659.00 $1,790.00
Medanales $807.00 $2,189.00 $741.00 $1,718.00
Melrose $744.00 $2,022.00 $690.00 $1,611.00
Mentmore $775.00 $1,978.00 $712.00 $1,567.00
Mescalero $694.00 $2,022.00 $641.00 $1,540.00
Mesilla Park $694.00 $1,840.00 $641.00 $1,596.00
Mesquite $694.00 $1,840.00 $641.00 $1,596.00
Mexican Springs $789.00 $1,978.00 $726.00 $1,567.00
Miami $708.00 $2,022.00 $658.00 $1,606.00
Milan $791.00 $2,022.00 $728.00 $1,584.00
Mills $708.00 $2,022.00 $658.00 $1,667.00
Milnesand $744.00 $2,022.00 $690.00 $1,678.00
Mimbres $708.00 $2,022.00 $658.00 $1,540.00
Montezuma $708.00 $2,022.00 $658.00 $1,694.00
Monticello $708.00 $2,022.00 $658.00 $1,540.00
Monument $703.00 $2,048.00 $649.00 $1,848.00
Mora $708.00 $2,022.00 $658.00 $1,696.00
Moriarty $708.00 $2,022.00 $658.00 $1,819.00
Mosquero $708.00 $2,022.00 $658.00 $1,611.00
Mountainair $708.00 $2,151.00 $658.00 $1,847.00
Mule Creek $704.00 $2,022.00 $654.00 $1,540.00
Nageezi $789.00 $1,978.00 $726.00 $1,545.00
Nara Visa $708.00 $2,022.00 $658.00 $1,611.00
Navajo $789.00 $1,978.00 $726.00 $1,567.00
Navajo Dam $789.00 $1,978.00 $726.00 $1,503.00
New Laguna $791.00 $2,022.00 $728.00 $1,790.00
Newcomb $789.00 $1,978.00 $726.00 $1,545.00
Newkirk $708.00 $2,022.00 $658.00 $1,630.00
Nogal $708.00 $2,022.00 $658.00 $1,540.00
Ocate $708.00 $2,022.00 $658.00 $1,630.00
Ohkay Owingeh $807.00 $2,174.00 $741.00 $1,718.00
Ojo Caliente $821.00 $2,189.00 $753.00 $1,728.00
Ojo Feliz $708.00 $2,022.00 $658.00 $1,621.00
Organ $694.00 $1,906.00 $641.00 $1,596.00
Orogrande $617.00 $2,033.00 $571.00 $1,659.00
Paguate $791.00 $2,115.00 $728.00 $1,895.00
Pecos $708.00 $2,022.00 $658.00 $1,694.00
Pena Blanca $799.00 $2,189.00 $735.00 $1,718.00
Penasco $821.00 $2,189.00 $753.00 $1,682.00
Pep $744.00 $2,022.00 $690.00 $1,678.00
Peralta $803.00 $2,308.00 $738.00 $1,953.00
Petaca $799.00 $2,189.00 $735.00 $1,749.00
Picacho $708.00 $2,022.00 $658.00 $1,763.00
Pie Town $704.00 $2,022.00 $654.00 $1,613.00
Pinehill $791.00 $2,022.00 $728.00 $1,567.00
Pinon $744.00 $2,022.00 $687.00 $1,540.00
Placitas $799.00 $2,308.00 $735.00 $1,922.00
Playas $704.00 $2,022.00 $654.00 $1,540.00
Polvadera $708.00 $2,053.00 $658.00 $1,847.00
Ponderosa $799.00 $2,189.00 $735.00 $1,660.00
Portales $744.00 $2,022.00 $690.00 $1,611.00
Prewitt $791.00 $1,978.00 $728.00 $1,567.00
Pueblo Of Acoma $803.00 $2,022.00 $738.00 $1,584.00
Quemado $704.00 $2,022.00 $654.00 $1,567.00
Questa $821.00 $2,189.00 $753.00 $1,660.00
Rainsville $708.00 $2,022.00 $658.00 $1,694.00
Ramah $791.00 $1,978.00 $728.00 $1,567.00
Ranchos De Taos $821.00 $2,189.00 $753.00 $1,749.00
Raton $708.00 $2,022.00 $658.00 $1,606.00
Red River $821.00 $2,189.00 $753.00 $1,660.00
Redrock $704.00 $2,022.00 $654.00 $1,540.00
Regina $822.00 $2,189.00 $754.00 $1,660.00
Rehoboth $775.00 $1,978.00 $712.00 $1,567.00
Reserve $704.00 $2,022.00 $654.00 $1,540.00
Ribera $708.00 $2,022.00 $658.00 $1,694.00
Rincon $694.00 $1,840.00 $641.00 $1,604.00
Rio Rancho $822.00 $2,220.00 $754.00 $1,810.00
Rociada $708.00 $2,022.00 $658.00 $1,694.00
Rodeo $704.00 $2,022.00 $654.00 $1,540.00
Rogers $744.00 $2,022.00 $690.00 $1,611.00
Roswell $694.00 $2,016.00 $641.00 $1,763.00
Rowe $708.00 $2,063.00 $658.00 $1,694.00
Roy $708.00 $2,022.00 $658.00 $1,671.00
Ruidoso $687.00 $2,022.00 $639.00 $1,540.00
Ruidoso Downs $687.00 $2,022.00 $639.00 $1,540.00
Sacramento $759.00 $2,022.00 $699.00 $1,540.00
Salem $694.00 $1,840.00 $641.00 $1,457.00
San Acacia $704.00 $2,053.00 $654.00 $1,847.00
San Antonio $704.00 $2,022.00 $654.00 $1,645.00
San Cristobal $821.00 $2,189.00 $753.00 $1,660.00
San Fidel $791.00 $2,022.00 $728.00 $1,584.00
San Jon $708.00 $2,022.00 $658.00 $1,611.00
San Jose $708.00 $2,022.00 $658.00 $1,694.00
San Patricio $708.00 $2,022.00 $658.00 $1,540.00
San Rafael $791.00 $2,022.00 $728.00 $1,584.00
San Ysidro $822.00 $2,189.00 $754.00 $1,660.00
Sandia Knolls $825.00 $2,308.00 $758.00 $1,875.00
Sanostee $789.00 $1,978.00 $726.00 $1,545.00
Santa Clara $708.00 $2,022.00 $658.00 $1,540.00
Santa Cruz $843.00 $2,174.00 $774.00 $1,718.00
Santa Fe $839.00 $2,174.00 $771.00 $1,718.00
Santa Rosa $708.00 $2,022.00 $658.00 $1,694.00
Santa Teresa $694.00 $1,840.00 $641.00 $1,596.00
Santo Domingo Pueblo $799.00 $2,189.00 $735.00 $1,738.00
Sapello $708.00 $2,022.00 $658.00 $1,694.00
Sedan $708.00 $2,022.00 $658.00 $1,667.00
Serafina $708.00 $2,022.00 $658.00 $1,694.00
Sheep Springs $789.00 $1,978.00 $726.00 $1,545.00
Shiprock $789.00 $1,978.00 $726.00 $1,503.00
Silver City $677.00 $2,022.00 $629.00 $1,540.00
Socorro $704.00 $2,022.00 $654.00 $1,750.00
Solano $708.00 $2,022.00 $658.00 $1,671.00
Springer $708.00 $2,022.00 $658.00 $1,606.00
Stanley $825.00 $2,068.00 $758.00 $1,802.00
Sunland Park $694.00 $1,840.00 $641.00 $1,574.00
Sunspot $759.00 $2,033.00 $699.00 $1,659.00
Taiban $708.00 $2,022.00 $658.00 $1,611.00
Taos $809.00 $2,189.00 $743.00 $1,749.00
Taos Ski Valley $809.00 $2,189.00 $743.00 $1,749.00
Tatum $703.00 $2,016.00 $649.00 $1,790.00
Tererro $708.00 $2,022.00 $658.00 $1,718.00
Tesuque $843.00 $2,174.00 $774.00 $1,718.00
Texico $744.00 $2,022.00 $690.00 $1,611.00
Thoreau $791.00 $1,978.00 $728.00 $1,584.00
Tierra Amarilla $822.00 $2,189.00 $754.00 $1,728.00
Tijeras $830.00 $2,308.00 $762.00 $2,040.00
Timberon $744.00 $2,033.00 $687.00 $1,659.00
Tinnie $708.00 $2,022.00 $658.00 $1,595.00
Tohatchi $789.00 $1,978.00 $726.00 $1,567.00
Torreon $708.00 $2,053.00 $658.00 $1,847.00
Tres Piedras $821.00 $2,189.00 $753.00 $1,749.00
Truchas $807.00 $2,174.00 $741.00 $1,718.00
Truth Or Consequences $708.00 $2,022.00 $658.00 $1,540.00
Tucumcari $708.00 $2,022.00 $658.00 $1,611.00
Tularosa $694.00 $2,022.00 $641.00 $1,540.00
Ute Park $708.00 $2,022.00 $658.00 $1,631.00
Vadito $821.00 $2,189.00 $753.00 $1,682.00
Vado $694.00 $1,840.00 $641.00 $1,596.00
Valdez $809.00 $2,189.00 $743.00 $1,660.00
Vallecitos $799.00 $2,189.00 $735.00 $1,728.00
Valmora $708.00 $2,022.00 $658.00 $1,705.00
Vanderwagen $789.00 $1,978.00 $726.00 $1,567.00
Veguita $708.00 $2,053.00 $658.00 $1,847.00
Velarde $807.00 $2,189.00 $741.00 $1,718.00
Wagon Mound $708.00 $2,022.00 $658.00 $1,615.00
Waterflow $789.00 $1,978.00 $726.00 $1,503.00
Weed $759.00 $2,022.00 $699.00 $1,540.00
White Sands $694.00 $1,840.00 $641.00 $1,596.00
Whites City $694.00 $2,033.00 $641.00 $1,827.00
Willard $708.00 $2,053.00 $658.00 $1,847.00
Williamsburg $708.00 $2,022.00 $658.00 $1,540.00
Winston $708.00 $2,022.00 $658.00 $1,540.00
Yah-ta-hey $775.00 $1,978.00 $712.00 $1,567.00
Yeso $708.00 $2,022.00 $658.00 $1,611.00
Youngsville $799.00 $2,189.00 $735.00 $1,718.00
Zuni Pueblo $791.00 $1,978.00 $728.00 $1,567.00

Finding Auto Insurance Resources in New Mexico

The first place you should look is the New Mexico Motor Vehicle Division (MVD). This department not only issues your driver's license, it also sets insurance requirements. Go to its insurance page for a first look at what you need.

You can use the Internet for information. Check out your local agent's and insurance carrier's websites. Also, check out the latest auto insurance news on insuranceQuotes.com’s auto page, where you can find information on auto insurance coverage, claims and rates. 

New Mexico Auto Insurance Facts and Information

You don't need to have auto insurance in New Mexico, but it’s much more expensive if you don't. You need to deposit $60,000 with the state treasurer to legally drive without insurance on state roads.

If you choose insurance, you need to carry just about as much as the deposit, including:

  • $25,000 for bodily injury to any one person in an accident.
  • $50,000 total for bodily injury to two or more people in an accident.
  • $10,000 property damage insurance.

When you buy insurance in New Mexico, your agent sends your information to the Insurance Identification Database (IIDB). If it doesn't get your confirmation, it will revoke your registration.

You can keep your out-of-state insurance and register your car in New Mexico. Your policy must meet the New Mexico minimum liability to be valid. You also have to fill out a form to make sure your information gets into the IIDB.

New Mexico is also a state that allows insurers to issue policies that exclude certain household members due to an increased claim risk or poor driving record. This will be recorded in the exclusions section of your New Mexico auto insurance policy, along with any other circumstances that exempt the insurer from responsibility.

Moving to New Mexico: Important Information

When you move to New Mexico, visit a New Mexico MVD Field Office to get a new license. Provide proof of your identity and legal residence, and surrender your previous license. The field office will issue you a temporary license good for 45 days and hole-punch your existing license.

You can use these two documents together until your permanent license arrives.

Every applicant must pass a vision test, and you may have to take a written or road test if your license has expired. If you have a current out-of-state license, you should only have to take the vision test.

All drivers who have been convicted of driving while intoxicated must bring proof they completed an approved DWI prevention and education program.

Understanding Driving Laws in New Mexico

New Mexico take a hard line of people who drive while intoxicated. In addition to strict blood alcohol content (BAC) limits, New Mexico also has a checkpoint program. Traffic police conduct random stops, looking for people driving under the influence. If you drive under the influence and get caught, you will lose your license.

Unlike many other states, New Mexico has no state laws banning adults from texting or using their cellphone while driving. However, novice drivers are banned from texting while driving.

New Mexico's seat belt law gives police the power to pull you over to check if you are wearing your seat belt. Everyone must wear a seat belt and you must properly secure all children. You also must provide an approved child safety seat for kids younger than 7, and an appropriate child seat, booster seat, or seat belt for children up to 12.

Frequently Asked Questions About New Mexico Auto Insurance

1. What is a Verification of Mandatory Automobile Insurance letter?

It's a request that you use to prove you have insurance. You usually get one if you do not have New Mexico insurance or if there is a mistake in the forms your agent filed.

2. Do you need insurance if you don't drive your car?

You don't need to have insurance on a car if it's off the road. You do need to fill out an affidavit to keep your registration.

3. How does New Mexico keep insurance information?

New Mexico keeps all insurance information in the IIDB. If you put your insurance on file at the MVD, ask your insurance company to send it to the IIDB.

How to Get Great Rates on New Mexico Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

Average cost of car insurance by state

Find out how a county’s insurance rate stacks up against the state average, as well as how it fares against other counties in the state.

Use our interactive map to find out:

  • How your state compares to the national average
  • How your county compares to the state average
  • How your ZIP compares to the county

Use the "Select state" or "Select county" dropdown menu to choose your state, then your county.

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