State guide
Insurance in New Mexico
Required coverage, penalties, official contacts and sources for New Mexico, reviewed 2026-10.
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Car insurance
What New Mexico requires.
Liability minimum 25/50/10. Claims system: fault-based claims.
| Coverage | Requirement in New Mexico |
|---|---|
| Bodily injury liability | $25,000 for one person / $50,000 for two or more persons |
| Property damage liability | $10,000 in any one accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Included in every policy for vehicles registered or principally garaged in New Mexico, including underinsured coverage, unless the named insured rejects it in writing (NMSA 66-5-301) |
Required coverage
- Bodily injury to or death of one person: $25,000
- Bodily injury to or death of two or more persons: $50,000
- Property damage in any one accident: $10,000
- Proof of automobile liability insurance in your possession when you drive
Other coverage commonly available
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Medical payments
If you drive without required coverage
The Motor Vehicle Division says vehicles without minimum liability insurance may have their registration suspended, and fraudulent proof of insurance may be prosecuted. New Mexico's Mandatory Financial Responsibility Act (NMSA 66-5-205 and 66-5-229) makes operating an uninsured vehicle, and failing to carry evidence of financial responsibility, misdemeanors. Failing to carry evidence is dismissed if you produce valid evidence of coverage in court. Confirm current fine amounts with the MVD.
Notices
What to know in New Mexico.
- To register a vehicle, bring a current auto insurance card or a letter from your insurer on company letterhead that verifies your coverage.
- The MVD offers an Affidavit of Non-Use of Vehicle or Out-of-State Insurance (MVD-11268) and a Financial Responsibility Request for Hearing (MVD-10792).
- Under NMSA 66-5-301 the named insured may reject uninsured motorist coverage. If an insurer does not obtain a valid rejection, courts have held the policy is reformed to provide uninsured/underinsured coverage equal to the liability limits. New Mexico's rule 13.12.3 NMAC requires a rejection to be in writing and made part of the policy.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Office of the Superintendent of Insurance
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Office of the Superintendent of Insurance is the state authority for questions about insurers, agents and complaints.
Health insurance
beWellnm
beWellnm (state-based marketplace)
- HealthInsurance.org lists New Mexico as a state-run marketplace (beWellnm). State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- New Mexico Office of the Superintendent of Insurance
- Website: osi.state.nm.us
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
- New Mexico MVD: Vehicle insurance
- HealthInsurance.org: What type of health insurance exchange does my state have? (2026 plan year)
- NMSA 66-5-301: Insurance against uninsured and unknown motorists; rejection (2025)
- 13.12.3 NMAC: Uninsured and unknown motorists endorsement
- NMSA 66-5-229: Duration of evidence; evidence in vehicle
Keep going.
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