Coverage designed with Albuquerque in mind
Albuquerque, the most populated city in New Mexico, sits in the high desert at the foot of the Sandia Mountains. It is a city rich in both Native American and Spanish colonial history, a heritage reflected in its unique blend of cultural attractions, historical sites, and distinctive Southwestern architecture. The city is a hub for arts and culture, and is home to the University of New Mexico. Albuquerque's location along the Rio Grande provides a lush green contrast to the surrounding desert landscape. Interstate 25 runs north-south through the city, connecting it to Santa Fe and other destinations.
When it comes to auto insurance, every state has different requirements. For drivers in Albuquerque, you can see what coverage and coverage limits New Mexico requires in the list below. These requirements are just a starting point – you may want to purchase additional coverages or increase your coverage limits.
Allstate offers auto insurance across all 42 Albuquerque zip codes from 87106 to 87196. An Albuquerque Allstate agent can help you understand the different insurance types available to you.
Albuquerque car insurance requirements
Auto liability insurance is a type of car insurance coverage that's required by law in New Mexico, so Albuquerque drivers must have it.
More specifically, the following liability coverages are the minimum required in Albuquerque:
- $25,000 bodily injury liability limit per person
- $50,000 bodily injury liability limit per accident
- $10,000 property damage liability
Uninsured/Underinsured motorist coverage, collision¹ and comprehensive¹ coverage are not required for Albuquerque drivers. In New Mexico, no-fault/personal injury protection insurance coverage is not available.
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.
Albuquerque auto insurance discounts
It's possible to get quality coverage in Albuquerque at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, Albuquerque drivers can find many ways to save with Allstate.
Multiple policy discount
Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.
New car discount
You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.
Student driver discounts
Teens deserve car insurance that's both great on the road and easy on your budget. Just because they may be new drivers, doesn't mean you can't enjoy quality coverage at an affordable price. You can save if your Albuquerque teen driver meets these requirements:
- Is a single, full-time student under the age of 25 and getting good grades
- Attends school at least 100 miles away from where the car is garaged
Learn more about these discounts and other car insurance discounts that may be available by contacting your local Albuquerque agent today.
Proof of insurance in Albuquerque
If you are stopped by the police and asked to show your auto insurance card, drivers in Albuquerque must show a paper copy of their insurance card. Electronic insurance cards is accepted in most states, however this is not the case in New Mexico. This includes permit drivers that need to show a physical copy of their insurance card during a traffic stop.