New Mexico has earned the nickname "The Land of Enchantment," for housing America's largest caverns and number of hot air balloons. The Adobe communites and production of red chile peppers only add to this enchanted state.
Requirement : Yes
Car insurance is required in New Mexico . Drivers must have a minimum of liability, and uninsured/underinsured coverage.
Minimum Coverage Car Insurance Requirements:
A minimum of liability and uninsured/underinsured coverage is required:
Other Car Insurance Coverage Options:
Liability, and uninsured/underinsured coverage are the only requirements for New Mexico motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: Yes
You must carry proof of insurance and registration with your vehicle at all times. New Mexico uses an electronic data base to monitor the car insurance status or all vehicles registered in the state.
Violations, Fines & Penalties:
Credit Scores & Determining Your Insurance Premium :
All New Mexico drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers should try to find a provider that specializes in high-risk, non-standard drivers.
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in New Mexico:
Novice drivers with a learner’s permit, or intermediate license are prohibited from using cell phones while driving. With exception to novice drivers, and local ordinances, there is no ban on texting while driving. Cell phone and texting violations are considered secondary offenses.