Buy Cheap New Mexico Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$10,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident (bodily injury) / $10,000 limit (property damage), may be rejected in writing
Underinsured Motorist
Combined with uninsured motorist coverage
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap New Mexico Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
Yes
In the state of New Mexico, a hand-held cell phone ban is in place for drivers or state vehicles.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers with a Learner or Provisional License cannot use a cell phone at all while driving.
Texting Ban:
Yes
In New Mexico, text messaging is banned for all drivers.
DUI Laws
Buy Cheap New Mexico Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.16 (with mandatory jail time)
There's an increased penalty for drivers with a BAC of 0.16 or above with mandatory imprisonment in all offenses.
1st offense Suspension:
1 year for offenders under 21 / 6 months for offenders 21 and over
Administrative license suspension on the 1st offense: In New Mexico, law enforcers can confiscate a first-time offender's driver's license for 1 year for those under 21 and for 6 months for those 21 and over, if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted immediately if ignition interlocks are installed.
Ignition Interlocks:
Mandatory for all offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. New Mexico made the installation of ignition interlocks mandatory for all offenders.
Repeat Offenders:
None
None in New Mexico.
Open Container Law:
Yes
New Mexico has an outright ban on any open containers of alcohol in vehicles.
Graduated Drivers License
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Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years and six months of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 15.5
Night Driving Restriction: Midnight-5am
Passenger Restriction: No more than 1 passenger under 21
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 15 and six months are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of midnight and 5am and cannot drive with more than one passenger under the age of 21.
Full Privilege Age:
Age: 16.5
(Full driver's license): At the age of 16 and six months, New Mexico drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
75
MPH
Urban Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
65
MPH
Other Limited Access Roads:
SPEED LIMIT
60-70
MPH
SPEED LIMIT
60-70 MPH
Page Source: ghsa.org
Buy Cheap New Mexico Auto Insurance in 2024
Department of Insurance
Website: www.osi.state.nm.us/
Address: 4th Floor, 1120 Paseo De Peralta, Santa Fe, NM 87504
Phone: 1-855-4ASK-OSI (1-855-427-5674) or 505-827-4601
Buy Cheap New Mexico Auto Insurance in 2024
DMV Information
Website: www.mvd.newmexico.gov/
Phone: 888-683-4636 or 888-MVD-INFO