New Mexico
New Mexico

Find out how much you can save on New Mexico car insurance.

Download the app. Take a test drive around the Land of Enchantment. Get a free quote.

Why choose Root for your New Mexico insurance policy?

New Mexicans: did you know that only about 25% of the roads in your state are paved? Thanks to the dry climate, these roads remain sturdy and intact. But that doesn’t mean that you won’t run into any problems on the road, which is why it’s important to have car insurance that’s there when you need it. With Root, you can get the coverage you need for up to 52% less.

What makes Root different from traditional insurers in New Mexico?

We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to 52%.

Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Land of Enchantment.

It’s a good time to be a good driver in New Mexico.

Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Albuquerque to Las Cruces, Farmington to Roswell, and all points between (we’re looking at you, Santa Fe).

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in New Mexico?

To legally operate a vehicle in New Mexico, you must carry liability coverage and uninsured/underinsured motorist coverage (which can be declined in writing). If you’re found driving without the required insurance, you can face suspension of your registration.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments and Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in NM:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)
  • $10,000 Property Damage

You can always opt for higher limits if you want more coverage.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

Uninsured and underinsured motorist coverage will help pay for your expenses when you've been in a car accident with a driver who doesn’t have car insurance, or whose car insurance amounts won't adequately cover your costs. Insurance companies in New Mexico are required to offer this coverage as part of your policy. However, you can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required uninsured/underinsured motorist coverage:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)

You can always opt for more coverage if you want.

When do you need to show proof of insurance?

New Mexico uses an electronic database to monitor the car insurance status of all vehicles registered in the state. It’s your insurer’s responsibility to report your car insurance status into the database. If the database shows that you aren’t insured, you’ll get a warning letter notifying you that you must have your car insured and noted in the database. If you don’t have insurance nor comply with your warning letter, you’ll face suspension of your registration.

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Personal Injury Protection
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What are the fines and penalties if you’re caught without insurance?

If you’re found driving without insurance, you’ll face:

  • Misdemeanor charge
  • Fine up to $300
  • Suspension of your registration

To regain your registration, you’ll need to pay a reinstatement fee.

What is the average cost of car insurance in New Mexico?

The average driver in New Mexico pays $1,2012 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Because Root doesn’t insure high-risk drivers, Root customers save up to $100/month on average—all while enjoying fair and simple car insurance.

What our customers tell us

Root car insurance app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

Get the Root app