Auto Insurance Minimum Requirements
New Mexico requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage — commonly written as 25/50/10. New Mexico is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
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.
Fine
Up to $300
License / Registration
Suspension: Yes
SR-22 Required After
No
What is the minimum car insurance required in New Mexico?
New Mexico requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. This is written as 25/50/10 coverage.
Is New Mexico a no-fault state?
No, New Mexico is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in New Mexico?
Uninsured motorist coverage is not required in New Mexico, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in New Mexico?
Driving without insurance in New Mexico can result in fines of Up to $300 and license/registration suspension.
Do I need an SR-22 in New Mexico?
SR-22 filings are used in New Mexico for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for up to 3 years following safety suspensions or compliance failures.
What does 25/50/10 mean in New Mexico?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
New Mexico Motor Vehicle Division
More New Mexico Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — New Mexico Motor Vehicle Division publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.