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New Mexico- Auto Insurance

New Mexico is one of several states that set minimum standards for the amount of coverage you must carry in your auto insurance policy.


  • New Mexico has stringent penalties for failing to comply with auto insurance laws. You must carry proof of insurance at all times in your vehicle. Violations of the state’s regulations could result in a fine and loss of your car’s registration.
  • New Mexico maintains a database with insurance companies, which lists drivers and their insurance policies. If your policy lapses, the law requires that your insurance carrier notify the state.


New Mexico Public Regulation Commission
New Mexico Insurance Div.
Post Office Box 1269
Santa Fe, NM 87504-1269
Phone: 1-505-827-4601
Toll Free: 1-800-947-4722 (In-State)

Web Site:
Email: Insurance Complaint Bureau:

New Mexico (NM) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Regulations Regarding Proof of auto insurance: Proof Required – When Obtaining Registration
  • Penalties For Not Carrying Mandatory Insurance: Fine up to $300, registration suspension

Inside New Mexico- Auto Insurance