New Mexico
Auto Insurance Coverages
How do you choose the car insurance that is right for you when there are so many companies offering auto insurance in New Mexico? Whether you live in Las Cruces, Albuquerque, Tucumcari or Humble City, Allstate offers a wide selection of auto insurance policies, optional insurance coverages and other insurance products just for New Mexico. And when your auto insurance needs change, your local Allstate agent will help you make the right choices. If you have a teen driver, there are some additional considerations your local Allstate agent can help you with. Refer to the NM's Graduated Driver Licensing chart below for more information.
For more information on this state, visit the New Mexico State Information or New Mexico State Catastrophe page.
New Mexico Auto Insurance Coverage Scale
Do you know what the New Mexico auto insurance coverage requirements are? Use the chart below as a possible starting point to learn more about the New Mexico-required auto insurance coverage levels and the most common car insurance coverages in New Mexico
|
|
|
|
|
|
Coverage
|
State Requirements
|
Most Common
|
|
Bodily Injury Liability
|
25,000/50,000
|
25,000/50,000
|
|
|
Property Damage Liability
|
10,000
|
25,000
|
|
|
Uninsured Motorist Bodily Injury
|
Not required
|
25,000/50,000
|
|
|
Medical Payments
|
Not required
|
5,000
|
|
|
Collision
|
Not required
|
500 deductible
|
|
|
Comprehensive
|
Not required
|
100 deductible
|
|
New Mexico Graduated Driver Licensing
Help protect your teen driver by reviewing the New Mexico Graduated Driver Licensing (GDL) laws. The GDL laws are one of the few things that have been proven to save teen lives. You and your teen should become familiar with these laws and should use them to form guidelines and rules for your teen driver.
|
|
|
|
|
|
Insurance Institute for Highway Safety Rating
|
Marginal
|
|
Minimum Entry Age
(Optimal: 16)
|
15
|
|
|
Extended Learner Period
(Optimal: at least 6 months)
|
Has optimal provision
|
|
|
Parent Certification
(Optimal: 30 hours minimal)
|
Has optimal provision
|
|
|
Night Restriction
(Optimal: 9 or 10 p.m.)
|
Has the provision
but it is not optimal
|
|
|
Passenger Restriction
(Optimal: only 1 non-family member)
|
Has optimal provision
|
|
|
Minimum Exit Age
(Optimal: 18)
|
16 years, 6 mo.
|
|
Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Arizona, Colorado, Hawaii, Kansas, Oklahoma, Texas, Utah
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in New Mexico. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.