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New Mexico car insurance

Getting car insurance in New Mexico

New Mexico is the fifth-largest state in the United States (by land area), known for its rich cultural heritage and diverse landscapes. It has several significant cities, including Albuquerque, Santa Fe, Las Cruces, and Roswell. Home to Native American pueblos, historic Spanish missions, and a vibrant arts scene, New Mexico is renowned for its unique blend of Native American, Hispanic, and Anglo cultures. With 121,590 square miles of terrain, the state encompasses high mountain ranges, expansive deserts, volcanic landscapes, and landmarks like Carlsbad Caverns National Park, the White Sands National Park, and the historic Santa Fe Plaza. Visitors can explore much of the state along historic Route 66, Interstate 25, and Interstate 40, experiencing the state's dramatic scenery and rich cultural tapestry.

Ways to save on Allstate auto insurance in New Mexico

Protect your ride and your wallet with Allstate's simple and personalized car insurance.

  • Save more than ever with a new Drivewise®

    Connect your driving data to save up to 30% with your everyday safe driving. The safer you drive, the less you’ll pay. Plus an extra 10% just for participating.*

  • Good drivers save more with Allstate

    Get rewarded with a big discount for not having any recent tickets or accidents.

  • Auto insurance made simple

    A quoting experience makes it easier than ever to understand your coverage and savings.

New Mexico car insurance state minimums

Finding the right car insurance for you means staying up to date on New Mexico requirements. The table below lists the coverages and minimum coverage limits that are required in New Mexico. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.

Not in New Mexico? Check your state requirements to determine your auto insurance needs.

Coverage type
State requirements

Bodily injury liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.

$25,000 limit per person/$50,000 limit per accident

Property damage liability
Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.

$10,000 limit

Uninsured motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required

Underinsured motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.
Not required

Medical payments
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
Not required

Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required¹

Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
Not required¹

All coverages are subject to the coverage limits stated in your policy.

¹Although New Mexico law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

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Other types of car insurance coverage in New Mexico

Allstate also offer these other types of car insurance coverage:

  • Roadside coverage
  • Ride For Hire®
  • Rental reimbursement coverage or transportation expense coverage

Learn about these and other car insurance coverage types available.

New Mexico car insurance discounts

It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for New Mexico auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:

  • Multiple policy / bundling discount
  • Responsible payer discount
  • Good student discount
  • Student away at school discount
  • Anti-theft discount

Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.

Insurance bundling discounts

Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you money. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.

Factors that can impact your car insurance rates in New Mexico

In addition to selecting the coverages, limits and deductibles that’s right for you, these factors could also affect your car insurance rates in New Mexico:

  • The type of car you’re insuring (year, make, model)
  • Your driving habits and annual mileage
  • Demographic factors, like zip code
  • Any discounts you may qualify for

Learn more about these factors that could impact your car insurance premium.

New Mexico’s rules on electronic proof of insurance

If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In New Mexico, you are allowed to show an electronic copy of your insurance card on your mobile device.

You can use the Allstate mobile app to access a digital ID card.