Cheap DUI Car Insurance in New Mexico:
Costs and Quotes (2022)

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Last Updated: January 2022

Best DUI Insurance Companies in New Mexico (2022)

For drivers with a DUI or DWI offense in New Mexico, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in New Mexico. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in New Mexico.

DUI Car Insurance Costs in New Mexico

In New Mexico, a DUI or DWI offense will on average have drivers paying $330 per month and $3,960 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 100% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No ViolationAvg. Monthly Cost - After DUI
$165 ▴Monthly Impact of DUI on Rates
100.00% ▴Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

How Much Does a DUI Impact Car Insurance Rates in New Mexico?

If you have a DUI, expect an immediate increase in your car insurance premiums. Though the amount of increase can vary from person to person, averages can guide you in your shopping experience.

The average premium for a DUI driver in New Mexico increases by over 100 percent, to $330.50. That means these motorists shell out $165.50 more per month. Clean-record drivers only pay $165 per month on average.

Average Percent Increase After DUI

What Are the Average Car Insurance Prices After a DUI in New Mexico?

New Mexico is low on the list of state rankings for insurance costs with a DUI. It ranks 36th. In fact, it's cheaper than every state it borders except Oklahoma.

Drivers with DUIs in New Mexico can expect a monthly premium that averages $330.50. While your cost may be more or less, keeping the average in mind helps insurance shoppers know whether they are in the ballpark when it comes to new quotes.

Most Expensive State for DUI (1-50)

How Long Is the Lookback Period for a DUI in New Mexico?

The length of time that a drunk driving offense stays on a driver's record is called the lookback period. Lookback periods are established to aid in determining DUI consequences both criminally and administratively.

When you get a DUI in New Mexico, courts look back over your lifetime to see if you have any other DUIs on record. If you do, they can be taken into consideration when courts determine your penalties for the current DUI. This lifetime lookback period is one of the longest in the country. Some states only look back 10 years.

New Mexico DUI Penalties

Drivers who get behind the wheel intoxicated in New Mexico will find themselves swamped with consequences. On top of other penalties, DUI drivers face 90 days in jail and $500 in fines.

Though first, second, and third DUI offenses in New Mexico are misdemeanors, a fourth DUI is considered a felony. These drivers face up to a year in jail and $5,000 in fines.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

FAQs - New Mexico Car Insurance

Why is car insurance so expensive in New Mexico?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in New Mexico?

Auto insurance costs will vary between locations and insurance carriers, depending on the county New Mexico. Insurify analyzed the latest data for the five most populous cities in New Mexico to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in New Mexico?

The way to find the carrier with the best auto insurance ratings in New Mexico and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in New Mexico?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.