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Cheapest Car Insurance in New Mexico

New Mexico gets its nickname, “The Land of Enchantment”, from a combination of its sweeping scenic beauty and its rich Native American and Hispanic heritage. The state’s landscape is intriguing with treasures such as the Rio Grande Gorge, Carlsbad Caverns, Chaco Canyon and Sangre de Cristo Mountain Range. Mountain peaks in the north and white-sandy deserts in the south, “The Land of Sunshine” offers visitors and residents not only natural wonders but an abundantly rich southwestern art community. A good drive through the state shows off its unique variety, and has been working hard to let drivers experience this landscape. After sifting through all the driving laws and information for the state of New Mexico, this list has been compiled to give drivers a quick-reference guide to let them get back to enjoying their sunshine.


New Mexico’s laws and regulations change constantly, and this list will help drivers stay ahead of those changes. Included in this list are all the essential facts to keep New Mexican drivers safe and informed while on the road.

Minimum Requirements for Car Insurance in New Mexico

  • The New Mexico Office of Secretary of Insurance states that while all vehicles must be covered by Liability Insurance and Uninsured/Underinsured Motorist Coverage, the latter may be refused by the driver in writing.
  • Liability Coverage and Uninsured/Underinsured Motorists minimums:
    • $25,000 per individual to cover bodily injury or death.
    • $50,000 per accident involving bodily injuries or deaths.
    • $10,000 for property damage.

New Mexico’s Consumer Assistance Bureau offers assistance to consumers who have questions regarding insurance laws in New Mexico.

New Driver Licensing Requirements:

  • The New Mexico Motor Vehicle Division (MVD) requires New Mexico residents who drive a vehicle in the state to possess a valid state driver license. The state has instituted a Graduated Driver License (GDL) program to allow drivers under the age of 18 an opportunity to gain driving experience prior to applying for their regular drivers license. The program consists of three parts, each of which are listed below:
  • Instructional Permit. Beginning at age 15, applicants must pass the vision and knowledge tests and enroll in a MVD-approved Driver Education Course. After paying the required fees, the following requirements/restrictions apply while the permit is held:
    • Must hold the permit for at least 6 months
    • Complete and pass the Driver Education requirement
    • The applicant must be accompanied by a licensed driver age 21 or older who has held his/her license for at least 3 years.
    • Complete 50 hours of supervised driving including 10 hours of night driving
    • Maintain a clean driving record for at least the 90 days preceding level 2
  • Provisional License. At age 15 years, 6 months, applicants who have completed the requirements for the Instructional Permit may pass the Road Skills Test to obtain their Provisional License. While holding this license, the following applies:
    • Must hold the license for at least 12 months
    • The applicant may not drive between 12am and 5am unless accompanied by a licensed driver age 21 or older. Exemptions include driving to activities associated with:
      • School
      • Employment
      • Family
      • Medical
      • Religion
    • No unrelated passengers under 21 years of age are allowed unless the driver is accompanied by a licensed driver age 21 or older.
  • Full License. To obtain a Full License, applicants must meet the following requirements:
    • Successful completion of stage 2
    • Holding no pending violations or alcohol-related offenses, and has not been convicted of either within the past 90 days
  • Vision Exam. Applicants must pass the vision test with a visual acuity of at least 20/40 in at least one eye. Corrective lenses may be used, and restrictions may be made for certain applicants with varying visual acuity.
  • Knowledge Test. The knowledge test is comprised from concepts included in the New Mexico Driver’s Manual, and a passing score of 70 percent is needed.
  • Road Skills Test. The vehicle used for the test must be provided by the driver, and it also must be licensed, registered and insured. Additional information for the road test requirements can be found on the New Mexico MVD’s website. The test administrator will evaluate the driver’s skill in a number of areas:
    • Left and right turns
    • Approaching intersections with traffic signals
    • Obeying stop signs
    • Grade stopping, parking and starting
  • Upon failing the test, the applicant must wait one week before he/she can re-take the test.
  • Fees. New Mexico drivers license fees are as follows:
    • Instructional Permit, $10.
    • Provisional License, $10
    • Full Driver’s License, $18 for a 4-year license and $34 for an 8-year license


  • BAC limit: .08 The New Mexico MVD website provides a helpful overview of the state’s DWI process and penalties. Included here are New Mexico’s minimum penalties for DWI offenses:
  • First Offense:
    • Fine: maximum $500
    • Jail: maximum 90 days
    • License revocation: 1 year
    • Ignition Interlock Device: 1 year
    • Community service: minimum 24 hours
    • DWI school
  • Second Offense within 10 Years:
    • Fine: maximum $1,000
    • Jail: maximum 1 year and possible 5 years of probation
    • License revocation: 2 years
    • Ignition Interlock Device: 2 years
    • Community service: minimum 48 hours
    • Ignition Interlock Device (IID) during suspension and 1-3 years following re-instatement.
  • Third Offense within 10 Years:
    • Fine: maximum $1,000
    • Jail: maximum 1 year and possible 5 years of probation
    • License revocation: 3 years
    • Ignition Interlock Device: 3 years
    • Community service: minimum 96 hours
    • Complete a court-mandated alcohol or drug abuse evaluation and/or treatment program
  • Fourth and subsequent offense(s) result in a lifetime license revocation in addition to increasingly severe fines and jail terms.

Texting & Driving Laws

According to, New Mexico has banned handheld cell phone devices for drivers with in-state vehicles, and novice drivers are banned from both handheld and hands-free cell phone use. A ban on texting for all drivers is effective 7/2014.

Unique Laws

New Mexico is no stranger to strange laws. For instance, the state prohibits betting on bicycle races, but ostrich or camel races? Sure! Also, no hunting is allowed in the Deming City cemetery, and it is unlawful for any woman to appear unshaven while in public!


Best Cheap Car Insurance Quotes for New Mexico

Bernalillo County Car Insurance

In central New Mexico, Bernalillo County is centered around the intersection of Interstate 40 and Interstate 25. The two corridors meet within the county seat of Albuquerque, the largest city in the state, with 662,564 residents at the 2010 Census. Straddling the Rio Grande, Albuquerque is home to the largest hot air balloon festival in the world, among other unique features.

Reportedly the birthplace of the sopapilla, said to have been created and devoured there more than 200 years ago, Albuquerque's old downtown section features historic adobe buildings. Unusual points of interest include the Pueblo Montaño Chainsaw Sculpture Garden, a large tumbleweed snowman during the holidays and the American International Rattlesnake Museum.

County Sedan Suv Coupe Truck Hybrid

Doña Ana County Car Insurance

Along the southern boundary of New Mexico, Doña Ana County is the state's second most populated, bordering both West Texas and Chihuahua, Mexico. Las Cruces, the county seat, is the state's largest city after Albuquerque with more than 100,000 residents.

The county lies in an agricultural floodplain of the Rio Grande, home to New Mexico State University. In the center of the county at the intersection of interstates 10 and 25, Las Cruces is less than 50 miles from the Mexican border and El Paso, Texas. The Dripping Springs Natural Area, Old Mesilla Village and the Farmers and Crafts Market are popular stops for visitors.

County Sedan Suv Coupe Truck Hybrid
Dona Ana$815.00$715.00$783.00$825.00$861.00

Santa Fe County

From just north of Interstate 40 west of Albuquerque, Santa Fe County stretches northward past Interstate 25 to encompass part of the Santa Fe National Forest. The county seat, Santa Fe, is also the state capital, home to an estimated 70,000. The name Santa Fe means "holy faith" in Spanish. Sante Fe holds the title of the highest state capital in the U.S., at 7,199 feet above sea level. Its Tia Sophia's eatery claims to be the first to serve a breakfast taco, which was on the menu in 1975.

Giant origami sculptures adorn a desert garden in the community of Los Cerrillos. Other points of interest are the Museum of International Folk Art, New Mexico History Museum and the Plaza in central Santa Fe.

County Sedan Suv Coupe Truck Hybrid
Santa Fe$943.00$826.00$906.00$954.00$996.00

Sandoval County

Sandoval County stretches northward from the suburbs of Albuquerque to encompass part of the Valles Caldera National Preserve. It is home to a dozen Indian reservations and two "joint-use" areas, the second-highest number in the U.S. After San Diego County, Calif., which has 18. The county seat is the small town of Bernalillo, not to be confused with the county of the same name.

The fast-growing city of Rio Rancho is the county's largest city, overlapping into northern Bernalillo County. Its economy is buoyed by high-tech companies including Intel Corp. The Intel Fab 11X is one of the largest semiconductor fabrication plants in the world.

County Sedan Suv Coupe Truck Hybrid

San Juan County

Forming the southeast quadrant of the U.S. "Four Corners," San Juan County, New Mexico, famously lies within spitting distance of three other states: Colorado, Utah and Arizona. The county seat is Aztec, a small community located near the Aztec Ruins National Monument.

The most noted point of interest is the Four Corners Monument, where visitors can stand in four states at once. Farmington, the county's largest city, is the site of the Connie Mack World Series Baseball Tournament. The city is about 400 miles from Phoenix, Denver and Salt Lake City, and about 180 miles from Albuquerque and Santa Fe. In the summers, an open-air theater series takes place in a natural sandstone amphitheater in the Lions Wilderness Park.

County Sedan Suv Coupe Truck Hybrid
San Juan$852.00$742.00$815.00$866.00$907.00

Valencia County

Immediately south of Albuquerque on Interstate 25, Valencia County is New Mexico's second smallest county by land area, having lost more than 80 percent of its land in 1981 with the creation of Cibola County. The county seat is the village of Los Lunas, home to about 15,000 residents on the west bank of the Rio Grande River.

Rock legend and guitarist Bo Diddley lived in Los Lunas in the 1970s. The county annually hosts a St. Patrick's Day Balloon Rally. In January, the town of Belen hosts the Hispano Matanza, the world's largest matanza, a Spanish barbecue involving the slaughter and cooking of 45 pigs. More than 10,000 are served, and proceeds go to local college scholarships.

County Sedan Suv Coupe Truck Hybrid

McKinley County

Created in 1901 and named for U.S. President William McKinley, McKinley County in northwest New Mexico abuts Apache County, Arizona, to the west. Interstate 40 travels east to west through the county, connecting it with Albuquerque about 90 minutes away. The small City of Gallup is the county seat, and it is the most populous city between Flagstaff, Ariz., and Albuquerque.

Home to about 22,000 residents, Gallup holds the world record for building and serving the largest Navajo taco, served with more than 30 pounds of green chili. The rugged terrain in McKinley County made it a popular location for filming Hollywood Westerns in the 1940s and 1950s.

County Sedan Suv Coupe Truck Hybrid

Lea County

A rectangular county forming the southeast corner of New Mexico, Lea County borders Texas on two sides. The county seat is Lovington, a town of 11,000. Hobbs, its largest city, is home to a thoroughbred and quarter horse racing track as well as casinos.

Hobbs also is considered the world's "glider capital," and hosts the U.S.' major annual gliding competitions. Within two hours are the major cities of Lubbock and Midland-Odessa, Texas, as well as Roswell, New Mexico and the famous Carlsbad Caverns. Points of interest include the Western Heritage Museum - Lea County Cowboy Hall of Fame.

County Sedan Suv Coupe Truck Hybrid

Chaves County

Located in southeast New Mexico, Chaves County is home to an estimated 66,000. Known as the UFO Capital of the World, Roswell, the county seat, is the site of the annual Roswell UFO Festival. Singer John Denver was born in Roswell on New Year's Eve, 1943.

Chaves County is the site of a famous 1947 UFO incident, during which multiple sightings of UFOs were reported. Conflicting reports, however, have since given rise to various conspiracy theories. Popular points of interest today include the International UFO Museum and Research Center, Roswell Space Walk and Walker Aviation Museum.

County Sedan Suv Coupe Truck Hybrid

Otero County Car Insurance

Located at the state's westernmost border it shares with Texas, Otero County lies within an easy commute to El Paso to the southwest. Its county seat and largest city is Alamogordo, known for its connection to what is called the Trinity Test, the first explosion of an atomic bomb.

Otero County is also known for the White Sands National Monument, located at the largest gypsum dune field of its kind in the world. Gypsum is rarely found in the form of sand, and unlike quartz-based sand, it doesn't get as hot from the sun's heat, and can be walked on safely with bare feet.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
De Baca$938.00$817.00$894.00$958.00$1,003.00
Dona Ana$815.00$715.00$783.00$825.00$861.00
Los Alamos$792.00$693.00$759.00$808.00$845.00
Rio Arriba$977.00$852.00$936.00$988.00$1,034.00
San Juan$852.00$742.00$815.00$866.00$907.00
San Miguel$858.00$746.00$816.00$877.00$918.00
Santa Fe$943.00$826.00$906.00$954.00$996.00
Valencia$842.00$738.00$807.00$855.00$893.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

New Mexico affordable auto insurance premiums are consistently lower than the national averages. While enjoying record lows in 2007, New Mexico’s average auto premiums as a percentage of income have remained above average the last few years.

Drunk Driving Fatalities

New Mexico’s drunk driving fatalities have fallen below the national average once again after jumping above the nation’s average in 2011. The number of fatalities remained unchanged from 2013 to 2014.

Teen Drinking and Driving

The Center for Disease Control puts the state’s teen drinking and driving numbers above the national average.

Vehicular Theft in New Mexico

New Mexico saw an increase in vehicle thefts in 2012, and an even larger increase in 2013 and 2014. The number of thefts remains well above the national average.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversGeico
Young driversGeico
Drivers with an at-fault crashState Farm
Drivers with poor creditGeico
Retired driversState Farm
Military familiesUSAA


State Department of Insurance

New Mexico Office of Superintendent of Insurance
1120 Paseo De Peralta
Santa Fe, NM 87504
1-855-4ASK-OSI (1-855-427-5674)
Get Directions

Department of Transportation

New Mexico Department of Transportation
1120 Cerrillos Road
Santa Fe, NM 87504-1149
(505) 827-5100
(505) 827-5469
Get Directions

Department of Motor Vehicles

New Mexico Taxation and Revenue Department
Motor Vehicle Division
Joseph Montoya Building
1100 S. St. Francis Drive
Santa Fe, NM 87504-1028
888-683-4636 or 888-MVD-INFO
Get Directions

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