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New Mexico’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for New Mexico:

Is it mandatory to have car insurance in New Mexico?


What are the minimum limits for New Mexico?

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$10,000 property damage per accident



Dairyland® coverage in New Mexico

At Dairyland, we’re proud to be able to help drivers in New Mexico meet their insurance needs. Here are some of the parameters of our insurance coverage in New Mexico:

What is the maximum bodily injury liability and property damage limit Dairyland offers in New Mexico?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$50,000 property damage per accident



What liability coverages are required to be offered in New Mexico? Can a customer reject them?

Bodily Injury, Property Damage, and Uninsured/Underinsured Motorist Property Damage and Bodily Injury must be offered and can’t be rejected.

What are all the coverages Dairyland offers in New Mexico?

  • Bodily Injury
  • Property Damage
  • Uninsured/Underinsured Motorist Property Damage
  • Uninsured/Underinsured Motorist Bodily Injury
  • Medical Payments
  • Comprehensive
  • Collision
  • Lienholder Deductible
  • Special Equipment
  • Rental Reimbursement 
  • Roadside Assistance
  • Accidental Death

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in New Mexico? 

 20 years

How far back does New Mexico go to look at violation history?  

3 years

What additional policy types are offered in New Mexico? 

Named Non-Owner

Is an insurance score used in my rating in New Mexico? If so, is it mandatory?

Yes, an insurance score is used for rating in New Mexico, but you can opt out.

What policy terms does Dairyland offer in New Mexico?

  1–6 months, and 12 months (paid in full)

What is Dairyland’s minimum down payment option in New Mexico? 

 1-month term, and 20% plus four installments (availability limited by risk characteristics)

Are SR22s used in New Mexico?

New Mexico doesn’t have SR22 filings. 

What discounts are available from Dairyland in New Mexico?

  • Homeowner
  • Prior insurance
  • Multi-car 
  • Paid in full
  • Advanced quote
  • Anti-theft device
  • Defensive driver course

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