New Mexico

Auto Insurance Minimum Requirements

25/50/10

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$10,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date1984-01-01

Important Notes

Enforces strict data cross-matching via the New Mexico Insurance Identification Database (NMIID).

Uninsured / Underinsured Motorist

Must be offered; requires an explicit signature on a waiver to be rejected.

SR-22 Filings

Required for up to 3 years following safety suspensions or compliance failures.

Alternatives to Insurance

A cash deposit or a verified performance bond of $60,000 submitted to the state treasurer.

Official Source

New Mexico Motor Vehicle Division

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.