New Mexico car insurance

Whether you drive in Albuquerque or Las Cruces, count on Progressive for trustworthy and affordable auto insurance in New Mexico. Understanding insurance coverage in your state means learning about New Mexico auto insurance requirements and options, plus Progressive discounts for drivers in the Land of Enchantment.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are New Mexico's minimum auto insurance requirements?

Drivers in New Mexico are required to have auto liability coverage (BI liability and PD liability), at the following minimum car insurance limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$10,000 per accident

While these are New Mexico's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is New Mexico a no-fault state?

No. New Mexico is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in New Mexico?

In 2023, the average cost of a Progressive liability-only auto insurance policy (single driver/single car) in New Mexico was $80 per month.^* Rates vary based on factors such as your ZIP code, driving history, and coverage selections. Learn more about the factors that influence car insurance rates.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.^† Get an auto insurance quote today.

What is the best car insurance in New Mexico?

If you're looking for the cheapest car insurance in New Mexico, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $920 on average^††
GEICO customers who switch and save with Progressive save $757 on average^§
State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in New Mexico?

To lower your car insurance cost in New Mexico, you may qualify for the following discounts through Progressive:

Multi-policy
Five-year accident-free
Homeowner
Paperless
Multi-car
Online quote
Paid in full
Distant student

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in New Mexico is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to New Mexico's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

New Mexico driving resources

From Carlsbad to Santa Fe, get to know New Mexico's driving laws and resources. These resources apply to Roswell, Farmington, and everywhere in between. Local municipalities may have additional laws and resources.

New Mexico MVD: Find out how to get or renew your New Mexico license and registration.
New Mexico Driver's Education information: Find information about the New Mexico driver's ed schools licensed by the NM Traffic Safety Bureau (TSB) or contracted with the MVD.
New Mexico driving FAQs: Get answers to your questions about obtaining a vehicle title, registration, and license plate, getting a REAL ID, information for new residents, and requirements for getting a New Mexico driver's license.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.