New Mexico Car Insurance Guide (Cheap Rates + Best Companies)

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Mar 14, 2024

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New Mexico
New Mexico Statistic Summary
Road Miles 27,435
Registered Vehicles 1,760,197
State Population 2,082,264
Percentage of
Uninsured Motorists
20.80
Driving Deaths Speeding: 141 Drunk Driving: 120
Average Premiums Annually
Liability: $488 Collision: $276.98 Comprehensive: $172.57
Cheapest Provider: USAA and State Farm

New Mexico is known as the Land of Enchantment, a place with a little bit of everything, like captivating desert lands, hot springs, beautiful mountains, and stunning Spanish colonial architecture. The state’s motto comes from a 1935 New Mexico Tourist Bureau brochure that promoted it as “the Land of Enchantment.”

By 1941, the nickname appeared on state license plates, and the state officially adopted it in 1999. The video below features the official state ballad named — you guessed it — “The Land of Enchantment”:

When it comes to researching car insurance, do you feel like you’re in a Land of Enchantment, or are you on the road to nowhere? If you’ve lost your direction, don’t worry. You’ve found the right place.

This is your guide to car insurance. We’ll go over the state’s minimum car insurance coverage requirements, average rates, state car insurance, and driving laws, and everything else connected to auto insurance. You’ll learn all you need to make an informed decision.

So, strap yourself in and let’s get ready to roll.

And, if you want to start comparison shopping right now, enter your zip code in the box above.

Table of Contents

What Should You Expect from New Mexico Insurance Coverage and Rates?

Just the thought of looking up car insurance companies’ prices can seem nerve-wracking. Where should you go? What should you do?

Fortunately, information is available at our fingertips. But the problem often comes down to the many results you receive, and you might not always get what you need. In this guide, we cut to the chase and give you the facts (without the fluff).

In the section below, we’ll cover New Mexico’s minimum insurance coverage requirements, the average cost of premiums, and more interesting details to help you find the right insurance. Read on for some insightful information.

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What’s New Mexico’s Car Culture like?

The different economic climates throughout New Mexico affect the types of cars you’ll see on its roads, whether they’re Acuras or Lexus or pickup trucks like the Fords that ranchers prefer.

The Hartford’s “State of Driving” describes New Mexico as “a land of contrasts.” Besides the variety of vehicles along its highways, you’ll notice smooth blacktop in some areas and other roads marked with mudholes.

TRIP, a national transportation research group, recently ranked New Mexico sixth in the nation for the state of its roads. The organization found that 25 percent of rural New Mexico roads are in poor condition, and 21 percent of its back roads are in mediocre condition.

They described 7 percent of the state’s bridges as “structurally deficient.” So, you may need to fasten your seatbelt to prepare for a bumpy ride as you move from city blocks to rural stretches of desert lands. It’s all part of the charm that comes with the territory of the Land of Enchantment.

What’s New Mexico’s Minimum Coverage Policy?

New Mexico requires drivers to carry bodily injury liability and property damage liability insurance in the following minimum amounts:

  • $10,000 for property damages from an accident
  • $25,000 for injuries to one person in an accident
  • $50,000 for injuries to all people in an accident

The state also requires drivers to carry uninsured/underinsured motorist coverage, but you can opt-out. To refuse it, you will need to sign a form and give it to your insurance provider.

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Forgoing uninsured motorist coverage may not be the wisest decision, however. According to the Insurance Information Institute, New Mexico ranks third in the U.S. for the number of uninsured drivers, at 20.3 percent, so you assume the risk of paying lots of damages later if you don’t carry that coverage.

Besides uninsured motorist coverage, we suggest you buy more than the required minimum coverage to pay for all damages from a potential accident. Otherwise, if the costs exceed your coverage limits, you may have to pay them yourself.

Should You Buy Additional Auto Coverage in New Mexico?

Cheap car insurance that only meets state minimums covers the other party’s liability when you’re at fault in an accident. If you want coverage for your own property damage and bodily injury on an auto policy, you’ll need to consider PIP and collision coverage. Many drivers also buy comprehensive insurance to cover damage not associated with an accident. This could include heavy hail, a falling tree, a loose animal, and much more.

Of course, this will raise your premium on insurance quotes. If you cannot afford to pay for your own repairs and injuries on your own, though, it could save you thousands after an accident.

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When do you Need to Show a Form of Financial Responsibility?

In New Mexico, you must show proof of insurance or financial responsibility in the following situations:

  • If you’re in an accident
  • When you apply for a title
  • When you register a car
  • If an officer pulls you over

The Mandatory Financial Responsibility Act (MFRA) requires motorists to have the ability to settle damages from accidents or buy motor vehicle insurance. Unless the motor vehicle is exempt per MFRA guidelines, drivers must carry the below proof of financial responsibility:

  • A current insurance card meeting the state minimum liability coverage requirements
  • If a motorist has met the criteria for the insurance set for workmen’s compensation liability — a self-insurance certificate from the Superintendent of Insurance

The New Mexico Motor Vehicle Department (MVD) also accepts the following forms of financial responsibility for vehicle registrations:

  • A copy of your current auto insurance policy
  • A letter from your car insurance company verifying that you have auto insurance coverage

The state doesn’t currently accept electronic forms of proof of insurance.

Note New Mexico police officers are not required to accept e-insurance cards. Even if you sign into your account to get the card, they can still request a paper version or issue a ticket. Vehicle registration generally requires proof of insurance, and the state will upload it to their database at that time. In New Mexico, at a traffic stop, officers can also check the state’s electronic verification system to see if you’re insured.

How Much of Your Income Goes to Insurance Premiums in New Mexico?

The amount of money you earn after taxes is your per capita disposable income (DPI). Below is data on how much the average New Mexican spends on car insurance every year, including the percentage of their incomes that go toward it.

Particulars201220132014
Income$32,526$31,573$33,358
Full Coverage Average Premiums$866$889$920
Percentage of Income2.66%2.82%2.76%

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New Mexico’s average DPI as of 2014 is $33,358. Residents have $2,779 to spend monthly on living expenses, from food to rent to a mortgage, and yes, even car insurance.

Out of that, they pay an average of $920 annually for car insurance or $76 monthly. That’s still less than the nationwide average of $981.77 yearly.

From 2012 – 2014, the average cost of annual car insurance premiums in New Mexico rose by nearly $60. Residents of neighboring states Colorado and Utah paid about the same as New Mexicans for their car insurance, though Utahn residents paid annual premiums under $900.

What are the Average Monthly Car Insurance Rates in NM (Liability, Collision, Comprehensive)?

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Below are the average costs of liability, collision, and comprehensive car insurance coverage in New Mexico as part of a full coverage premium. This data comes from the National Association of Insurance Commissioners (NAIC). Expect rates in 2019 and beyond to continue to rise.

Core Car Insurance Coverage in New Mexico
Liability$488.03
Collision$276.98
Comprehensive$172.57
Full Coverage $937.59

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As shown, collision and comprehensive insurance cost less than liability coverage. So getting more coverage for greater peace of mind and protection is affordable.

Though you must buy liability coverage in New Mexico, collision and comprehensive will cover other property damages. Collision pays for damages if you hit something, and comprehensive covers damage from “acts of God” such as theft, fire, and hail damage. (For more information, read our What are ‘Acts of God’ and when are they covered?“).

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Is There an Additional Coverage?

The below NAIC data, based on the state minimum coverage, spans 2012 – 2014.

Additional Liability Coverage in New Mexico - Loss Ratios201220132014
Medical Pay (Med Pay) 72%77%73%
Uninsured/Underinsured Motorist Coverage79%71%67%

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A loss ratio shows how much money a company pays in claims. Figures over 100 percent indicate a company is losing money. If they’re far below 100 percent, the company isn’t paying much in claims. As the above numbers show, New Mexico insurers pay a fair amount of claims.

Other options for additional liability coverage in the Land of Enchantment include medical payments (or MedPay), Personal Injury Protection (PIP), and uninsured and underinsured motorist coverage.

MedPay covers medical expenses, and PIP will pay for medical expenses, burial costs, childcare expenses, and lost wages.

As we mentioned earlier, a high percentage of New Mexico drivers are uninsured, so consider buying more than the mandatory minimum coverage required in case of an accident.

Are There any Add-Ons, Endorsements, Riders?

You can add more coverage to a basic car insurance policy. Below are some of the most popular options available in New Mexico:

Pay-as-you-drive or usage-based insurance will reward you for following safe driving habits regularly. Insurers who offer the coverage will track your driving using a telematics device attached to your car’s diagnostic port or through a mobile device app.

One such program available in New Mexico is Travelers’ IntelliDrive® program. It uses a smartphone app to record and score the driving behavior of drivers covered under your policy. If you enroll, you may be eligible for insurance discounts on your policy’s first term.

Travelers Insurance states that safe driving habits can lead to savings of up to 20 percent for those renewing policies; those who sign up immediately receive a 10 percent discount. Policyholders who drive 13,000 miles or less yearly can receive up to a 30 percent discount.

IntelliDrive allows you to set safe driving rules for your teen and receive email or text alerts to let you know if the vehicle is being driven outside the safe driving guidelines. GPS also lets you know where your car is being driven.

Information tracked includes mileage, time of day, speed, braking, and acceleration measured through an installed telematics device plugged into your vehicle’s diagnostic port.

The app also offers coaching tips to teenage drivers.

Read more: How to Find a Safe, Budget-Friendly Car for your Teen

What are the Average Monthly Car Insurance Rates by Age & Gender in New Mexico?

In this section, we’ll explore the major factors that go into setting car insurance rates. We’ve partnered with Quadrant Information Services to bring you the data below. It’s based on coverage the state population has purchased and includes rates for high-risk drivers and drivers who choose to buy more than the state minimum, as well as other types of coverage the state doesn’t require.

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First up, we’ll cover male versus female rates and how they affect different age groups.

CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
Allstate F&C$2,516.34$2,528.61$2,298.09$2,418.45$8,382.58$9,698.44$2,795.93$2,965.82
Farmers Ins Co Of AZ$2,404.81$2,396.01$2,152.83$2,295.21$9,750.62$10,025.51$2,703.37$2,790.84
Geico General$2,776.17$2,853.11$2,612.63$2,612.63$7,978.18$10,952.99$2,924.53$2,950.75
AMCO Insurance$2,405.85$2,446.69$2,185.49$2,293.80$5,818.94$7,338.72$2,714.96$2,908.12
Progressive Direct$1,666.84$1,613.98$1,510.13$1,515.71$6,833.07$7,700.89$2,017.17$2,087.52
State Farm Mutual Auto$1,523.13$1,523.13$1,383.93$1,383.93$4,131.10$5,189.28$1,704.41$1,881.32
USAA$1,530.57$1,520.66$1,459.73$1,455.56$3,987.84$4,506.45$1,891.06$2,025.18

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As the table above shows, there’s not much of a difference in cost for male versus female drivers. Generally, men have been found to get into more accidents than women.

There’s a major price difference for 17- and 25-year-olds compared to those aged 35 and older. This reflects the amount of risk insurers feel they need to bear because of a driver’s inexperience.

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What are the Rates in New Mexico’s 10 Largest Cities?

Now, let’s go over the rates for the 10 most and least expensive cities in New Mexico.

Ten Most Expensive CitiesTen Least Expensive Cities
CityZip CodeAverage RateCityZip CodeAverage Rates
Albuquerque87121$4,364.29Animas88422$3,489.24
Isleta87006$4,154.37Bent88424$3,515.52
Tijeras87013$3,520.12Las Cruces88426$3,419.96
Cedar Crest87021$3,355.45La Luz88427$3,436.72
Belen87025$3,601.04Garfield88430$3,464.99
Bosque Farms87027$3,564.28Lordsburg88431$3,436.99
Peralta87028$3,411.15Salem88433$3,455.36
Los Lunas87029$3,627.66Deming88434$3,404.02
Sandia Park87031$3,893.50Tularosa88435$3,431.92
Corrales87035$3,580.84Alamogordo88439$3,499.53

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From the most expensive city, Albuquerque, to the leave expensive, Alamogordo, the price difference is just under $1,000. This shows that where you live can affect your rates.

What are the Cheapest Auto Insurance Rates by Zip Code?

Here are the average costs for premiums in New Mexico cities and towns by zip code.

Annual Average Rates in New Mexico by ZIP code
ZipcodeAverage Annual RateZipcodeAverage Annual Rate
87001$3,732.9987121$4,364.29
87002$3,949.5887105$4,275.84
87004$3,813.9287102$4,184.38
87005$3,358.1887108$4,166.27
87006$3,576.8387022$4,154.37
87007$3,535.1687101$4,134.80
87008$3,979.4887115$4,078.29
87009$3,593.1887123$4,048.65
87010$3,631.5787112$4,021.69
87011$3,346.8087117$4,013.99
87012$3,725.4587104$4,013.24
87013$3,520.1287059$4,002.49
87014$3,452.8487107$3,999.83
87015$3,798.7287116$3,997.82
87016$3,606.6987106$3,997.74
87017$3,752.1887110$3,991.63
87018$3,523.2187122$3,988.31
87020$3,305.5987111$3,987.13
87021$3,355.4587008$3,979.48
87022$4,154.3787109$3,972.16
87023$3,664.2187131$3,964.89
87024$3,607.6487113$3,958.74
87025$3,601.0487002$3,949.58
87026$3,502.8887120$3,927.06
87027$3,564.2887068$3,922.38
87028$3,411.1587042$3,919.14
87029$3,627.6687031$3,893.50
87031$3,893.5087047$3,888.99
87034$3,374.6087114$3,865.66
87035$3,580.8487048$3,852.73
87036$3,525.9787004$3,813.92
87037$3,287.0187144$3,799.75
87038$3,502.6687015$3,798.72
87040$3,506.5787017$3,752.18
87041$3,647.7087043$3,751.22
87042$3,919.1487551$3,750.61
87043$3,751.2287124$3,742.33
87044$3,657.7687001$3,732.99
87045$3,340.2987012$3,725.45
87046$3,548.4787510$3,724.57
87047$3,888.9987508$3,716.45
87048$3,852.7387520$3,711.69
87049$3,401.3287506$3,711.43
87051$3,410.1787530$3,710.81
87052$3,663.3487531$3,710.66
87053$3,645.4387514$3,710.61
87056$3,633.9887072$3,709.52
87059$4,002.4987582$3,706.27
87061$3,520.9087527$3,705.56
87062$3,439.6587539$3,705.41
87063$3,537.9187581$3,702.24
87064$3,693.6687575$3,702.21
87068$3,922.3887548$3,701.31
87070$3,444.1187579$3,697.76
87072$3,709.5287511$3,696.89
87083$3,573.0487522$3,696.42
87101$4,134.8087537$3,694.94
87102$4,184.3887517$3,693.92
87104$4,013.2487064$3,693.66
87105$4,275.8487515$3,693.66
87106$3,997.7487516$3,693.66
87107$3,999.8387518$3,693.66
87108$4,166.2787529$3,692.25
87109$3,972.1687557$3,691.42
87110$3,991.6387571$3,688.03
87111$3,987.1387554$3,687.74
87112$4,021.6987576$3,687.14
87113$3,958.7487577$3,687.14
87114$3,865.6687525$3,681.62
87115$4,078.2987556$3,674.41
87116$3,997.8287549$3,672.76
87117$4,013.9987543$3,672.19
87120$3,927.0687521$3,670.38
87121$4,364.2987528$3,670.23
87122$3,988.3187535$3,669.52
87123$4,048.6587566$3,667.66
87124$3,742.3387507$3,666.97
87131$3,964.8987532$3,666.58
87144$3,799.7587567$3,666.53
87301$3,299.4687023$3,664.21
87305$3,306.4987578$3,663.47
87310$3,343.1587052$3,663.34
87311$3,363.7287044$3,657.76
87312$3,308.5987553$3,657.08
87313$3,338.4487501$3,656.08
87315$3,337.9387574$3,650.42
87316$3,362.5787041$3,647.70
87317$3,357.1087053$3,645.43
87319$3,366.0687580$3,645.09
87320$3,340.7287524$3,638.73
87321$3,340.2587564$3,637.87
87322$3,366.7287056$3,633.98
87323$3,363.4487558$3,633.30
87325$3,376.3287519$3,632.43
87326$3,363.4387505$3,631.62
87327$3,297.9387010$3,631.57
87328$3,374.1987512$3,629.09
87347$3,371.3987029$3,627.66
87357$3,376.7087024$3,607.64
87364$3,335.3087016$3,606.69
87365$3,399.2287540$3,605.26
87375$3,363.9587025$3,601.04
87401$3,231.1587009$3,593.18
87402$3,274.8887035$3,580.84
87410$3,279.5888240$3,577.38
87412$3,290.2187006$3,576.83
87413$3,288.5187083$3,573.04
87415$3,245.7687027$3,564.28
87416$3,286.2088230$3,554.80
87417$3,267.8987046$3,548.47
87418$3,277.8987063$3,537.91
87419$3,309.4588232$3,536.09
87420$3,276.3688256$3,535.19
87421$3,256.3287007$3,535.16
87455$3,346.9788264$3,533.93
87461$3,342.7788220$3,532.36
87501$3,656.0887573$3,532.07
87505$3,631.6288242$3,531.05
87506$3,711.4387538$3,529.15
87507$3,666.9787036$3,525.97
87508$3,716.4588253$3,524.49
87510$3,724.5787018$3,523.21
87511$3,696.8988260$3,521.66
87512$3,629.0987061$3,520.90
87514$3,710.6187013$3,520.12
87515$3,693.6688201$3,519.88
87516$3,693.6688262$3,517.08
87517$3,693.9287715$3,515.84
87518$3,693.6688265$3,515.75
87519$3,632.4388424$3,515.52
87520$3,711.6988254$3,508.61
87521$3,670.3887713$3,507.60
87522$3,696.4288255$3,507.60
87524$3,638.7387710$3,506.61
87525$3,681.6287040$3,506.57
87527$3,705.5688203$3,506.26
87528$3,670.2388231$3,504.75
87529$3,692.2588263$3,504.43
87530$3,710.8188268$3,504.43
87531$3,710.6687026$3,502.88
87532$3,666.5887038$3,502.66
87535$3,669.5287714$3,501.22
87537$3,694.9488439$3,499.53
87538$3,529.1587732$3,497.38
87539$3,705.4188418$3,496.57
87540$3,605.2687552$3,496.36
87543$3,672.1987562$3,494.87
87544$3,352.4687569$3,494.87
87547$3,359.9187749$3,494.53
87548$3,701.3187729$3,493.43
87549$3,672.7688422$3,489.24
87551$3,750.6188213$3,486.50
87552$3,496.3687711$3,486.21
87553$3,657.0888419$3,478.48
87554$3,687.7488252$3,478.11
87556$3,674.4188267$3,475.02
87557$3,691.4288436$3,474.93
87558$3,633.3087723$3,470.06
87560$3,469.1887560$3,469.18
87562$3,494.8788415$3,469.12
87564$3,637.8787736$3,466.92
87565$3,439.4788430$3,464.99
87566$3,667.6687712$3,462.47
87567$3,666.5387728$3,462.20
87569$3,494.8787724$3,457.51
87571$3,688.0387742$3,456.82
87573$3,532.0788410$3,456.70
87574$3,650.4288433$3,455.36
87575$3,702.2187731$3,454.92
87576$3,687.1487730$3,454.78
87577$3,687.1487747$3,453.90
87578$3,663.4787014$3,452.84
87579$3,697.7688114$3,452.13
87580$3,645.0987746$3,450.19
87581$3,702.2487701$3,450.08
87582$3,706.2788134$3,448.70
87701$3,450.0887735$3,448.47
87710$3,506.6188421$3,447.45
87711$3,486.2187743$3,445.89
87712$3,462.4787733$3,445.46
87713$3,507.6087070$3,444.11
87714$3,501.2288123$3,442.86
87715$3,515.8487722$3,440.41
87718$3,429.7288210$3,440.01
87722$3,440.4187062$3,439.65
87723$3,470.0687565$3,439.47
87724$3,457.5188122$3,437.11
87728$3,462.2088431$3,436.99
87729$3,493.4388427$3,436.72
87730$3,454.7888136$3,434.49
87731$3,454.9287750$3,433.71
87732$3,497.3887753$3,433.01
87733$3,445.4688435$3,431.92
87734$3,425.9387718$3,429.72
87735$3,448.4788321$3,427.42
87736$3,466.9287745$3,426.37
87740$3,417.7787734$3,425.93
87742$3,456.8288414$3,425.42
87743$3,445.8988426$3,419.96
87745$3,426.3787752$3,419.45
87746$3,450.1987740$3,417.77
87747$3,453.9088126$3,417.29
87749$3,494.5388417$3,414.14
87750$3,433.7187028$3,411.15
87752$3,419.4588125$3,410.51
87753$3,433.0187051$3,410.17
87801$3,319.2088121$3,406.79
87820$3,213.5088434$3,404.02
87821$3,244.8888401$3,402.41
87823$3,402.3087823$3,402.30
87824$3,204.1088119$3,401.83
87825$3,298.1287049$3,401.32
87827$3,289.3788416$3,401.14
87828$3,338.4288343$3,400.16
87829$3,250.9087365$3,399.22
87830$3,219.7588411$3,395.42
87831$3,381.1388133$3,393.89
87832$3,255.2188124$3,393.52
87901$3,109.6588113$3,388.51
87930$3,173.2088135$3,385.34
87931$3,151.4288318$3,381.31
87933$3,214.8587831$3,381.13
87935$3,149.9988118$3,379.69
87936$3,080.4887357$3,376.70
87937$3,118.3387325$3,376.32
87939$3,154.5887034$3,374.60
87940$3,165.2987328$3,374.19
87941$3,064.7387347$3,371.39
87942$3,126.7987322$3,366.72
87943$3,184.6587319$3,366.06
88001$3,113.4587375$3,363.95
88002$3,142.1387311$3,363.72
88003$3,134.2787323$3,363.44
88005$3,119.8987326$3,363.43
88007$3,139.3987316$3,362.57
88008$3,199.1087547$3,359.91
88009$3,139.1987005$3,358.18
88011$3,102.0887317$3,357.10
88012$3,083.0387021$3,355.45
88020$3,091.2788120$3,354.00
88021$3,166.1687544$3,352.46
88022$3,136.1588112$3,352.14
88023$3,105.9788132$3,349.46
88024$3,225.0787455$3,346.97
88025$3,111.0087011$3,346.80
88026$3,092.4488116$3,343.47
88028$3,173.9888250$3,343.26
88029$3,137.5187310$3,343.15
88030$3,064.1487461$3,342.77
88032$3,161.7987320$3,340.72
88034$3,150.3287045$3,340.29
88036$3,167.2087321$3,340.25
88038$3,164.0187313$3,338.44
88039$3,173.6887828$3,338.42
88040$3,128.6087315$3,337.93
88041$3,107.0287364$3,335.30
88042$3,127.4688101$3,328.33
88043$3,102.0487801$3,319.20
88044$3,120.1388350$3,312.94
88045$3,080.4287419$3,309.45
88047$3,131.7287312$3,308.59
88048$3,129.5387305$3,306.49
88049$3,122.2987020$3,305.59
88051$3,164.3188130$3,305.22
88052$3,170.5888351$3,300.97
88055$3,171.0987301$3,299.46
88056$3,139.1987825$3,298.12
88061$3,096.7387327$3,297.93
88063$3,188.9888324$3,292.85
88072$3,136.8188338$3,290.95
88081$3,211.1387412$3,290.21
88101$3,328.3387827$3,289.37
88112$3,352.1487413$3,288.51
88113$3,388.5187037$3,287.01
88114$3,452.1387416$3,286.20
88116$3,343.4788346$3,284.31
88118$3,379.6988336$3,280.77
88119$3,401.8387410$3,279.58
88120$3,354.0087418$3,277.89
88121$3,406.7987420$3,276.36
88122$3,437.1187402$3,274.88
88123$3,442.8687417$3,267.89
88124$3,393.5288342$3,263.06
88125$3,410.5187421$3,256.32
88126$3,417.2987832$3,255.21
88130$3,305.2288349$3,252.14
88132$3,349.4687829$3,250.90
88133$3,393.8988325$3,250.56
88134$3,448.7088348$3,250.17
88135$3,385.3488345$3,249.71
88136$3,434.4988323$3,249.33
88201$3,519.8887415$3,245.76
88203$3,506.2687821$3,244.88
88210$3,440.0188312$3,244.31
88213$3,486.5088341$3,240.99
88220$3,532.3687401$3,231.15
88230$3,554.8088316$3,228.63
88231$3,504.7588024$3,225.07
88232$3,536.0988301$3,220.80
88240$3,577.3887830$3,219.75
88242$3,531.0587933$3,214.85
88250$3,343.2688339$3,214.75
88252$3,478.1187820$3,213.50
88253$3,524.4988081$3,211.13
88254$3,508.6188340$3,207.96
88255$3,507.6087824$3,204.10
88256$3,535.1988008$3,199.10
88260$3,521.6688063$3,188.98
88262$3,517.0887943$3,184.65
88263$3,504.4388344$3,177.56
88264$3,533.9388347$3,175.44
88265$3,515.7588028$3,173.98
88267$3,475.0288039$3,173.68
88268$3,504.4387930$3,173.20
88301$3,220.8088055$3,171.09
88310$2,948.8988052$3,170.58
88312$3,244.3188036$3,167.20
88314$3,085.7888021$3,166.16
88316$3,228.6387940$3,165.29
88317$3,153.4588051$3,164.31
88318$3,381.3188038$3,164.01
88321$3,427.4288354$3,162.74
88323$3,249.3388032$3,161.79
88324$3,292.8587939$3,154.58
88325$3,250.5688317$3,153.45
88330$2,963.7387931$3,151.42
88336$3,280.7788034$3,150.32
88337$3,082.9187935$3,149.99
88338$3,290.9588002$3,142.13
88339$3,214.7588007$3,139.39
88340$3,207.9688009$3,139.19
88341$3,240.9988056$3,139.19
88342$3,263.0688029$3,137.51
88343$3,400.1688072$3,136.81
88344$3,177.5688022$3,136.15
88345$3,249.7188003$3,134.27
88346$3,284.3188047$3,131.72
88347$3,175.4488048$3,129.53
88348$3,250.1788040$3,128.60
88349$3,252.1488042$3,127.46
88350$3,312.9487942$3,126.79
88351$3,300.9788049$3,122.29
88352$3,055.3788044$3,120.13
88354$3,162.7488005$3,119.89
88401$3,402.4187937$3,118.33
88410$3,456.7088001$3,113.45
88411$3,395.4288025$3,111.00
88414$3,425.4287901$3,109.65
88415$3,469.1288041$3,107.02
88416$3,401.1488023$3,105.97
88417$3,414.1488011$3,102.08
88418$3,496.5788043$3,102.04
88419$3,478.4888061$3,096.73
88421$3,447.4588026$3,092.44
88422$3,489.2488020$3,091.27
88424$3,515.5288314$3,085.78
88426$3,419.9688012$3,083.03
88427$3,436.7288337$3,082.91
88430$3,464.9987936$3,080.48
88431$3,436.9988045$3,080.42
88433$3,455.3687941$3,064.73
88434$3,404.0288030$3,064.14
88435$3,431.9288352$3,055.37
88436$3,474.9388330$2,963.73
88439$3,499.5388310$2,948.89

Compare RatesStart Now →

How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in NM.

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Generally speaking, the higher the population, the more average car insurance premiums will cost.

What are the Cheapest Insurance Rates by City?

Here’s the same information, this time organized by city or town name.

CityZipcodeAverage Annual RateZipcodeAverage Annual Rate
ALBUQUERQUE87001$3,732.9987121$4,364.29
ALBUQUERQUE87002$3,949.5887105$4,275.84
ALBUQUERQUE87004$3,813.9287102$4,184.38
ALBUQUERQUE87005$3,358.1887108$4,166.27
ISLETA87006$3,576.8387022$4,154.37
ALBUQUERQUE87007$3,535.1687101$4,134.80
ALBUQUERQUE87008$3,979.4887115$4,078.29
ALBUQUERQUE87009$3,593.1887123$4,048.65
ALBUQUERQUE87010$3,631.5787112$4,021.69
KIRTLAND AFB87011$3,346.8087117$4,013.99
ALBUQUERQUE87012$3,725.4587104$4,013.24
TIJERAS87013$3,520.1287059$4,002.49
ALBUQUERQUE87014$3,452.8487107$3,999.83
ALBUQUERQUE87015$3,798.7287116$3,997.82
ALBUQUERQUE87016$3,606.6987106$3,997.74
ALBUQUERQUE87017$3,752.1887110$3,991.63
ALBUQUERQUE87018$3,523.2187122$3,988.31
ALBUQUERQUE87020$3,305.5987111$3,987.13
CEDAR CREST87021$3,355.4587008$3,979.48
ALBUQUERQUE87022$4,154.3787109$3,972.16
ALBUQUERQUE87023$3,664.2187131$3,964.89
ALBUQUERQUE87024$3,607.6487113$3,958.74
BELEN87025$3,601.0487002$3,949.58
ALBUQUERQUE87026$3,502.8887120$3,927.06
BOSQUE FARMS87027$3,564.2887068$3,922.38
PERALTA87028$3,411.1587042$3,919.14
LOS LUNAS87029$3,627.6687031$3,893.50
SANDIA PARK87031$3,893.5087047$3,888.99
ALBUQUERQUE87034$3,374.6087114$3,865.66
CORRALES87035$3,580.8487048$3,852.73
BERNALILLO87036$3,525.9787004$3,813.92
RIO RANCHO87037$3,287.0187144$3,799.75
EDGEWOOD87038$3,502.6687015$3,798.72
GALLINA87040$3,506.5787017$3,752.18
PLACITAS87041$3,647.7087043$3,751.22
LOS OJOS87042$3,919.1487551$3,750.61
RIO RANCHO87043$3,751.2287124$3,742.33
ALGODONES87044$3,657.7687001$3,732.99
COYOTE87045$3,340.2987012$3,725.45
ABIQUIU87046$3,548.4787510$3,724.57
SANTA FE87047$3,888.9987508$3,716.45
CHAMA87048$3,852.7387520$3,711.69
SANTA FE87049$3,401.3287506$3,711.43
EL RITO87051$3,410.1787530$3,710.81
EMBUDO87052$3,663.3487531$3,710.66
ARROYO SECO87053$3,645.4387514$3,710.61
COCHITI PUEBLO87056$3,633.9887072$3,709.52
VELARDE87059$4,002.4987582$3,706.27
DIXON87061$3,520.9087527$3,705.56
LA MADERA87062$3,439.6587539$3,705.41
VALLECITOS87063$3,537.9187581$3,702.24
TIERRA AMARILLA87064$3,693.6687575$3,702.21
MEDANALES87068$3,922.3887548$3,701.31
VADITO87070$3,444.1187579$3,697.76
ALCALDE87072$3,709.5287511$3,696.89
CHIMAYO87083$3,573.0487522$3,696.42
HERNANDEZ87101$4,134.8087537$3,694.94
CARSON87102$4,184.3887517$3,693.92
YOUNGSVILLE87104$4,013.2487064$3,693.66
CANJILON87105$4,275.8487515$3,693.66
CANONES87106$3,997.7487516$3,693.66
CEBOLLA87107$3,999.8387518$3,693.66
EL PRADO87108$4,166.2787529$3,692.25
RANCHOS DE TAOS87109$3,972.1687557$3,691.42
TAOS87110$3,991.6387571$3,688.03
PETACA87111$3,987.1387554$3,687.74
TRAMPAS87112$4,021.6987576$3,687.14
TRES PIEDRAS87113$3,958.7487577$3,687.14
TAOS SKI VALLEY87114$3,865.6687525$3,681.62
QUESTA87115$4,078.2987556$3,674.41
OJO CALIENTE87116$3,997.8287549$3,672.76
LLANO87117$4,013.9987543$3,672.19
CHAMISAL87120$3,927.0687521$3,670.38
DULCE87121$4,364.2987528$3,670.23
GLORIETA87122$3,988.3187535$3,669.52
OHKAY OWINGEH87123$4,048.6587566$3,667.66
SANTA FE87124$3,742.3387507$3,666.97
ESPANOLA87131$3,964.8987532$3,666.58
SANTA CRUZ87144$3,799.7587567$3,666.53
JARALES87301$3,299.4687023$3,664.21
TRUCHAS87305$3,306.4987578$3,663.47
SANTO DOMINGO PUEBLO87310$3,343.1587052$3,663.34
PONDEROSA87311$3,363.7287044$3,657.76
PENASCO87312$3,308.5987553$3,657.08
SANTA FE87313$3,338.4487501$3,656.08
TESUQUE87315$3,337.9387574$3,650.42
PENA BLANCA87316$3,362.5787041$3,647.70
SAN YSIDRO87317$3,357.1087053$3,645.43
VALDEZ87319$3,366.0687580$3,645.09
COSTILLA87320$3,340.7287524$3,638.73
SAN CRISTOBAL87321$3,340.2587564$3,637.87
STANLEY87322$3,366.7287056$3,633.98
RED RIVER87323$3,363.4487558$3,633.30
CERRO87325$3,376.3287519$3,632.43
SANTA FE87326$3,363.4387505$3,631.62
CERRILLOS87327$3,297.9387010$3,631.57
AMALIA87328$3,374.1987512$3,629.09
LINDRITH87347$3,371.3987029$3,627.66
JEMEZ PUEBLO87357$3,376.7087024$3,607.64
ESTANCIA87364$3,335.3087016$3,606.69
LAMY87365$3,399.2287540$3,605.26
JEMEZ SPRINGS87375$3,363.9587025$3,601.04
CEDARVALE87401$3,231.1587009$3,593.18
MORIARTY87402$3,274.8887035$3,580.84
HOBBS87410$3,279.5888240$3,577.38
BOSQUE87412$3,290.2187006$3,576.83
COCHITI LAKE87413$3,288.5187083$3,573.04
LA JARA87415$3,245.7687027$3,564.28
DEXTER87416$3,286.2088230$3,554.80
REGINA87417$3,267.8987046$3,548.47
WILLARD87418$3,277.8987063$3,537.91
HAGERMAN87419$3,309.4588232$3,536.09
LOVING87420$3,276.3688256$3,535.19
CASA BLANCA87421$3,256.3287007$3,535.16
MALJAMAR87455$3,346.9788264$3,533.93
CARLSBAD87461$3,342.7788220$3,532.36
TERERRO87501$3,656.0887573$3,532.07
HOBBS87505$3,631.6288242$3,531.05
ILFELD87506$3,711.4387538$3,529.15
MOUNTAINAIR87507$3,666.9787036$3,525.97
LAKE ARTHUR87508$3,716.4588253$3,524.49
COUNSELOR87510$3,724.5787018$3,523.21
LOVINGTON87511$3,696.8988260$3,521.66
TORREON87512$3,629.0987061$3,520.90
CUBA87514$3,710.6187013$3,520.12
ROSWELL87515$3,693.6688201$3,519.88
MCDONALD87516$3,693.6688262$3,517.08
CLEVELAND87517$3,693.9287715$3,515.84
MONUMENT87518$3,693.6688265$3,515.75
GRENVILLE87519$3,632.4388424$3,515.52
LAKEWOOD87520$3,711.6988254$3,508.61
CHACON87521$3,670.3887713$3,507.60
LOCO HILLS87522$3,696.4288255$3,507.60
ANGEL FIRE87524$3,638.7387710$3,506.61
PAGUATE87525$3,681.6287040$3,506.57
ROSWELL87527$3,705.5688203$3,506.26
EUNICE87528$3,670.2388231$3,504.75
MALAGA87529$3,692.2588263$3,504.43
WHITES CITY87530$3,710.8188268$3,504.43
LAGUNA87531$3,710.6687026$3,502.88
NEW LAGUNA87532$3,666.5887038$3,502.66
CIMARRON87535$3,669.5287714$3,501.22
TREMENTINA87537$3,694.9488439$3,499.53
MORA87538$3,529.1587732$3,497.38
DES MOINES87539$3,705.4188418$3,496.57
PECOS87540$3,605.2687552$3,496.36
ROWE87543$3,672.1987562$3,494.87
SERAFINA87544$3,352.4687569$3,494.87
UTE PARK87547$3,359.9187749$3,494.53
MIAMI87548$3,701.3187729$3,493.43
GLADSTONE87549$3,672.7688422$3,489.24
CAPROCK87551$3,750.6188213$3,486.50
ANTON CHICO87552$3,496.3687711$3,486.21
FOLSOM87553$3,657.0888419$3,478.48
JAL87554$3,687.7488252$3,478.11
TATUM87556$3,674.4188267$3,475.02
SEDAN87557$3,691.4288436$3,474.93
HOLMAN87558$3,633.3087723$3,470.06
RIBERA87560$3,469.1887560$3,469.18
CLAYTON87562$3,494.8788415$3,469.12
RAINSVILLE87564$3,637.8787736$3,466.92
NARA VISA87565$3,439.4788430$3,464.99
BUENA VISTA87566$3,667.6687712$3,462.47
MAXWELL87567$3,666.5387728$3,462.20
LA LOMA87569$3,494.8787724$3,457.51
ROCIADA87571$3,688.0387742$3,456.82
AMISTAD87573$3,532.0788410$3,456.70
QUAY87574$3,650.4288433$3,455.36
MONTEZUMA87575$3,702.2187731$3,454.92
MILLS87576$3,687.1487730$3,454.78
SPRINGER87577$3,687.1487747$3,453.90
CUBERO87578$3,663.4787014$3,452.84
CROSSROADS87579$3,697.7688114$3,452.13
SOLANO87580$3,645.0987746$3,450.19
LAS VEGAS87581$3,702.2487701$3,450.08
TAIBAN87582$3,706.2788134$3,448.70
OJO FELIZ87701$3,450.0887735$3,448.47
GARITA87710$3,506.6188421$3,447.45
ROY87711$3,486.2187743$3,445.89
MOSQUERO87712$3,462.4787733$3,445.46
CLINES CORNERS87713$3,507.6087070$3,444.11
LINGO87714$3,501.2288123$3,442.86
GUADALUPITA87715$3,515.8487722$3,440.41
ARTESIA87718$3,429.7288210$3,440.01
VEGUITA87722$3,440.4187062$3,439.65
SAN JOSE87723$3,470.0687565$3,439.47
KENNA87724$3,457.5188122$3,437.11
NEWKIRK87728$3,462.2088431$3,436.99
MCALISTER87729$3,493.4388427$3,436.72
YESO87730$3,454.7888136$3,434.49
VALMORA87731$3,454.9287750$3,433.71
WATROUS87732$3,497.3887753$3,433.01
SANTA ROSA87733$3,445.4688435$3,431.92
EAGLE NEST87734$3,425.9387718$3,429.72
ENCINO87735$3,448.4788321$3,427.42
SAPELLO87736$3,466.9287745$3,426.37
OCATE87740$3,417.7787734$3,425.93
CAPULIN87742$3,456.8288414$3,425.42
LOGAN87743$3,445.8988426$3,419.96
WAGON MOUND87745$3,426.3787752$3,419.45
RATON87746$3,450.1987740$3,417.77
PEP87747$3,453.9088126$3,417.29
CUERVO87749$3,494.5388417$3,414.14
LA JOYA87750$3,433.7187028$3,411.15
MILNESAND87752$3,419.4588125$3,410.51
SAN RAFAEL87753$3,433.0187051$3,410.17
HOUSE87801$3,319.2088121$3,406.79
SAN JON87820$3,213.5088434$3,404.02
TUCUMCARI87821$3,244.8888401$3,402.41
LEMITAR87823$3,402.3087823$3,402.30
FORT SUMNER87824$3,204.1088119$3,401.83
SAN FIDEL87825$3,298.1287049$3,401.32
CONCHAS DAM87827$3,289.3788416$3,401.14
PICACHO87828$3,338.4288343$3,400.16
SMITH LAKE87829$3,250.9087365$3,399.22
BARD87830$3,219.7588411$3,395.42
SAINT VRAIN87831$3,381.1388133$3,393.89
MELROSE87832$3,255.2188124$3,393.52
CAUSEY87901$3,109.6588113$3,388.51
TEXICO87930$3,173.2088135$3,385.34
CORONA87931$3,151.4288318$3,381.31
SAN ACACIA87933$3,214.8587831$3,381.13
FLOYD87935$3,149.9988118$3,379.69
PINEHILL87936$3,080.4887357$3,376.70
TOHATCHI87937$3,118.3387325$3,376.32
PUEBLO OF ACOMA87939$3,154.5887034$3,374.60
NAVAJO87940$3,165.2987328$3,374.19
JAMESTOWN87941$3,064.7387347$3,371.39
REHOBOTH87942$3,126.7987322$3,366.72
MENTMORE87943$3,184.6587319$3,366.06
YATAHEY88001$3,113.4587375$3,363.95
CHURCH ROCK88002$3,142.1387311$3,363.72
THOREAU88003$3,134.2787323$3,363.44
VANDERWAGEN88005$3,119.8987326$3,363.43
FORT WINGATE88007$3,139.3987316$3,362.57
#N/A88008$3,199.1087547$3,359.91
BLUEWATER88009$3,139.1987005$3,358.18
GAMERCO88011$3,102.0887317$3,357.10
MILAN88012$3,083.0387021$3,355.45
GRADY88020$3,091.2788120$3,354.00
LOS ALAMOS88021$3,166.1687544$3,352.46
BROADVIEW88022$3,136.1588112$3,352.14
ROGERS88023$3,105.9788132$3,349.46
NEWCOMB88024$3,225.0787455$3,346.97
CLAUNCH88025$3,111.0087011$3,346.80
ELIDA88026$3,092.4488116$3,343.47
HOPE88028$3,173.9888250$3,343.26
BRIMHALL88029$3,137.5187310$3,343.15
SANOSTEE88030$3,064.1487461$3,342.77
MEXICAN SPRINGS88032$3,161.7987320$3,340.72
PREWITT88034$3,150.3287045$3,340.29
RAMAH88036$3,167.2087321$3,340.25
CROWNPOINT88038$3,164.0187313$3,338.44
POLVADERA88039$3,173.6887828$3,338.42
FENCE LAKE88040$3,128.6087315$3,337.93
SHEEP SPRINGS88041$3,107.0287364$3,335.30
CLOVIS88042$3,127.4688101$3,328.33
SOCORRO88043$3,102.0487801$3,319.20
TIMBERON88044$3,120.1388350$3,312.94
NAVAJO DAM88045$3,080.4287419$3,309.45
CONTINENTAL DIVIDE88047$3,131.7287312$3,308.59
GALLUP88048$3,129.5387305$3,306.49
GRANTS88049$3,122.2987020$3,305.59
PORTALES88051$3,164.3188130$3,305.22
TINNIE88052$3,170.5888351$3,300.97
GALLUP88055$3,171.0987301$3,299.46
MAGDALENA88056$3,139.1987825$3,298.12
ZUNI88061$3,096.7387327$3,297.93
GLENCOE88063$3,188.9888324$3,292.85
LINCOLN88072$3,136.8188338$3,290.95
BLANCO88081$3,211.1387412$3,290.21
PIE TOWN88101$3,328.3387827$3,289.37
BLOOMFIELD88112$3,352.1487413$3,288.51
NAGEEZI88113$3,388.5187037$3,287.01
FRUITLAND88114$3,452.1387416$3,286.20
RUIDOSO DOWNS88116$3,343.4788346$3,284.31
HONDO88118$3,379.6988336$3,280.77
AZTEC88119$3,401.8387410$3,279.58
LA PLATA88120$3,354.0087418$3,277.89
SHIPROCK88121$3,406.7987420$3,276.36
FARMINGTON88122$3,437.1187402$3,274.88
KIRTLAND88123$3,442.8687417$3,267.89
OROGRANDE88124$3,393.5288342$3,263.06
WATERFLOW88125$3,410.5187421$3,256.32
SAN ANTONIO88126$3,417.2987832$3,255.21
SUNSPOT88130$3,305.2288349$3,252.14
QUEMADO88132$3,349.4687829$3,250.90
HIGH ROLLS MOUNTAIN PARK88133$3,393.8988325$3,250.56
SAN PATRICIO88134$3,448.7088348$3,250.17
RUIDOSO88135$3,385.3488345$3,249.71
FORT STANTON88136$3,434.4988323$3,249.33
FLORA VISTA88201$3,519.8887415$3,245.76
DATIL88203$3,506.2687821$3,244.88
ALTO88210$3,440.0188312$3,244.31
NOGAL88213$3,486.5088341$3,240.99
FARMINGTON88220$3,532.3687401$3,231.15
CAPITAN88230$3,554.8088316$3,228.63
BERINO88231$3,504.7588024$3,225.07
CARRIZOZO88232$3,536.0988301$3,220.80
RESERVE88240$3,577.3887830$3,219.75
DERRY88242$3,531.0587933$3,214.85
MAYHILL88250$3,343.2688339$3,214.75
ARAGON88252$3,478.1187820$3,213.50
CHAPARRAL88253$3,524.4988081$3,211.13
MESCALERO88254$3,508.6188340$3,207.96
LUNA88255$3,507.6087824$3,204.10
SANTA TERESA88256$3,535.1988008$3,199.10
SUNLAND PARK88260$3,521.6688063$3,188.98
WINSTON88262$3,517.0887943$3,184.65
PINON88263$3,504.4388344$3,177.56
SACRAMENTO88264$3,533.9388347$3,175.44
CLIFF88265$3,515.7588028$3,173.98
GLENWOOD88267$3,475.0288039$3,173.68
ARREY88268$3,504.4387930$3,173.20
REDROCK88301$3,220.8088055$3,171.09
ORGAN88310$2,948.8988052$3,170.58
FORT BAYARD88312$3,244.3188036$3,167.20
ANTHONY88314$3,085.7888021$3,166.16
RINCON88316$3,228.6387940$3,165.29
MULE CREEK88317$3,153.4588051$3,164.31
GILA88318$3,381.3188038$3,164.01
WEED88321$3,427.4288354$3,162.74
DONA ANA88323$3,249.3388032$3,161.79
MONTICELLO88324$3,292.8587939$3,154.58
CLOUDCROFT88325$3,250.5688317$3,153.45
CABALLO88330$2,963.7387931$3,151.42
FAYWOOD88336$3,280.7788034$3,150.32
ELEPHANT BUTTE88337$3,082.9187935$3,149.99
WHITE SANDS MISSILE RANGE88338$3,290.9588002$3,142.13
LAS CRUCES88339$3,214.7588007$3,139.39
PLAYAS88340$3,207.9688009$3,139.19
RODEO88341$3,240.9988056$3,139.19
COLUMBUS88342$3,263.0688029$3,137.51
VADO88343$3,400.1688072$3,136.81
ARENAS VALLEY88344$3,177.5688022$3,136.15
LAS CRUCES88345$3,249.7188003$3,134.27
MESILLA PARK88346$3,284.3188047$3,131.72
MESQUITE88347$3,175.4488048$3,129.53
HACHITA88348$3,250.1788040$3,128.60
HILLSBORO88349$3,252.1488042$3,127.46
WILLIAMSBURG88350$3,312.9487942$3,126.79
MIMBRES88351$3,300.9788049$3,122.29
LA MESA88352$3,055.3788044$3,120.13
LAS CRUCES88354$3,162.7488005$3,119.89
HATCH88401$3,402.4187937$3,118.33
LAS CRUCES88410$3,456.7088001$3,113.45
BUCKHORN88411$3,395.4288025$3,111.00
TRUTH OR CONSEQUENCES88414$3,425.4287901$3,109.65
HANOVER88415$3,469.1288041$3,107.02
BAYARD88416$3,401.1488023$3,105.97
LAS CRUCES88417$3,414.1488011$3,102.08
HURLEY88418$3,496.5788043$3,102.04
SILVER CITY88419$3,478.4888061$3,096.73
SANTA CLARA88421$3,447.4588026$3,092.44
ANIMAS88422$3,489.2488020$3,091.27
BENT88424$3,515.5288314$3,085.78
LAS CRUCES88426$3,419.9688012$3,083.03
LA LUZ88427$3,436.7288337$3,082.91
GARFIELD88430$3,464.9987936$3,080.48
LORDSBURG88431$3,436.9988045$3,080.42
SALEM88433$3,455.3687941$3,064.73
DEMING88434$3,404.0288030$3,064.14
TULAROSA88435$3,431.9288352$3,055.37
HOLLOMAN AIR FORCE BASE88436$3,474.9388330$2,963.73
ALAMOGORDO88439$3,499.5388310$2,948.89

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What are the Best New Mexico Car Insurance Companies?

Out of all of the car insurers in the Land of Enchantment, which ones are the best? It can be hard to get used to the thought of changing car insurance providers, and the many options available can leave you wondering what to do.

This section is here to help you. We’ll cover company financial rankings, complaints, reviews, and much more.

Let’s get ready to explore car insurance companies further.

What Is the Financial Rating of the Largest Companies?

A.M. Best rates insurance companies based on their overall financial strength. To arrive at their decisions, they look at a company’s operating costs, profitability, and other factors.

Insurance CompanyAM Best Rating
State Farm GroupA++
GeicoA++
Progressive GroupA+
Farmers Insurance GroupA
USAA GroupA++
Allstate Insurance GroupA+
Liberty Mutual GroupA
Hartford Fire & Casualty GroupA+
Sentry Insurance GroupA+
Iowa Farm Bureau GroupA

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State Farm and USAA are among the leading contenders to receive A.M. Best’s highest score of “A++,” which shows that they’re financially solid and can afford to pay premiums.

Let’s find out more about insurers through reviews.

Which Companies Have the Best Ratings?

J.D. Power’s annual U.S. Auto Insurance Study reveals how well companies achieve customer satisfaction.

JD Power 2019 Southwest Region

Who is the cheapest car insurance company in NM? Review the average auto insurance rates by company below:

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Of the major companies who qualified in J.D. Power’s rankings, The Hartford and State Farm received five Power Circles, meaning they’re “among the best.”

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Which Companies Have the Most Complaints in New Mexico?

You can expect a few complaints now and then. No matter what you do, you can’t please everyone, and insurance companies are no different. But, if a company receives several, it’s time to pay closer attention.

These are the number of complaints and related ratios for the top 10 insurers in New Mexico.

Company Total Complaints 2017Complaint Ratio 2017
State Farm Group14820.44
Liberty Mutual Group2225.95
Progressive Group1200.75
Allstate Insurance Group1630.5
Iowa Farm Bureau Group320.77
Hartford Fire & Casualty Group94.68
Geico20
USAA Group20
Sentry Insurance Group16.53
Farmers Insurance Group00

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State Farm received the most complaints; however, compared to the overall number of customers, the complaint ratio of 44 percent out of 100 is fairly low.

Who are the Cheapest Companies in New Mexico?

These are the cheapest and most expensive companies in New Mexico based on the average cost of premiums.

Insurance CompanyAverage Annual PremiumsDeviation from State Average (+/-)Percentage Change (+/-)
USAA$2,297.13-$1,166.08-50.76%
State Farm Mutual Auto$2,340.03-$1,123.18-48.00%
Progressive Direct$3,118.17-$345.04-11.07%
AMCO Insurance$3,514.07$50.861.45%
Allstate F&C$4,200.53$737.3217.55%
Farmers Ins Co Of AZ$4,314.90$851.6919.74%
Geico General$4,457.62$994.4222.31%

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State Farm and USAA beat the state average premium rates by roughly half. Allstate, however, was among those that nearly matched the average.

What are the Commute Rates by Company?

As the table below shows, how far you commute regularly can affect your rates.

Insurance Company10 miles commute/ 6000 annual mileage25 miles commute/ 12000 annual mileage
Allstate$4,200.53$4,200.53
Farmers$4,314.90$4,314.90
Geico$4,389.62$4,525.62
Nationwide$3,514.07$3,514.07
Progressive$3,118.17$3,118.17
State Farm$2,281.70$2,398.36
USAA$2,228.48$2,365.79

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Take a look at these 6 major factors affecting auto insurance rates in New Mexico.

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Farmers, Nationwide, Progressive, and Allstate didn’t change their rates for 10- versus 25-mile commutes. The companies that factored in the distances, such as State Farm, sometimes raised rates by more than $100.

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What are the Coverage Level Rates by Company?

Car insurance shoppers can compare companies based on their different coverage levels for a more price-based decision. These are rates for the top insurance providers in New Mexico.

Insurance CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$4,018.38$4,192.35$4,390.87
Farmers$3,936.11$4,275.73$4,732.85
Geico$4,155.59$4,446.29$4,771.00
Nationwide$3,462.26$3,479.90$3,600.05
Progressive$2,975.51$3,117.04$3,261.94
State Farm$2,132.39$2,347.45$2,540.25
USAA$2,135.39$2,307.89$2,448.12

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Progressive was among the companies with a big gap between their lowest and highest coverages more than $1,000. Others, such as State Farm, had a spread as low as $200.

It can pay to shop around you may be able to get the highest coverage for more protection at an affordable price.

What are the Credit History Rates by Company?

As you’ll see below, your credit score is among the bigger factors in your car insurance rates.

Insurance CompanyPoorFairGood
Allstate$4,887.46$4,028.34$3,685.79
Farmers$4,950.09$4,097.94$3,896.67
Geico$4,999.10$4,349.78$4,023.99
Nationwide$4,300.68$3,341.72$2,899.82
Progressive$3,420.75$3,049.36$2,884.38
State Farm$3,337.18$2,056.00$1,626.91
USAA$2,874.97$2,151.55$1,864.88

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The average American’s credit score is 675. New Mexico’s score ranks slightly below at 659, which is leaning more toward poor credit.

State Farm is among the companies that charge a true premium for imperfect credit scores — customers with good credit pay half the cost of those with poor credit.

What are the Driving Record Rates by Company?

Another major part of car insurance premiums is your driving record. One of the best ways to save is to keep it spotless.

Insurance CompanyClean recordWith 1 accidentWith 1 DUIWith 1 speeding violation
Allstate$3,463.66$4,561.80$4,877.87$3,898.80
Farmers$3,646.60$4,694.44$4,584.30$4,334.25
Geico$2,631.09$4,217.02$8,351.31$2,631.09
Nationwide$2,625.87$3,688.87$4,765.82$2,975.73
Progressive$2,696.21$3,686.49$2,904.96$3,184.99
State Farm$2,197.36$2,387.59$2,387.59$2,387.59
USAA$1,706.19$2,372.97$3,122.21$1,987.15

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Rates tend to rise more for the bigger penalty of a DUI versus a speeding ticket. With Progressive, even one speeding ticket can lead to a $500-rate increase from a clean record.

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Who are the Largest Car Insurance Companies in New Mexico?

These are the largest insurers in the Land of Enchantment, ranked by premiums written, loss ratio, and market share.

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Insurance CompanyDirect Written PremiumsLoss RatioMarket Share
State Farm Group$277,87858.73%20.04%
Geico$207,10586.73%14.94%
Progressive Group$160,61961.50%11.58%
Farmers Insurance Group$155,04960.51%11.18%
USAA Group$127,97076.06%9.23%
Allstate Insurance Group$97,61051.94%7.04%
Liberty Mutual Group$69,04860.23%4.98%
Hartford Fire & Casualty Group$41,76077.10%3.01%
Sentry Insurance Group$32,71354.68%2.36%
Iowa Farm Bureau Group$30,20968.10%2.18%

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State Farm tops the list, and, as indicated earlier, is among the strongest companies financially.

What is the Number of Insurers by State?

As shown below, a small number of insurers (“domestic” companies) were formed in New Mexico. The rest, the “foreign” companies, started out of state.

Type of InsurerNumber
Domestic15
Foreign837

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What are the New Mexico Laws?

State laws also affect car insurance rates, which makes obeying them crucial to both keeping your rate low and keeping yourself and others safe.

In this section, we’ll cover car insurance laws for windshield coverage and “high-risk” insurance, fraud, and other laws you should know.

So, let’s get started to learn more about how to stay legal on the road.

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What are the Car Insurance Laws?

Car insurance laws control how companies operate in New Mexico. These are some of the most vital laws to keep in mind.

How New Mexico Car Insurance Rates are Determined

New Mexico’s Office of the Superintendent of Insurance controls car insurers’ rates and form filings. In setting rates, it follows the National Association of Insurance Commissioners‘ guidelines.

How to Get Windshield Coverage

For windshield replacement, New Mexico law allows insurers to use aftermarket or generic parts if the quality is comparable to the manufacturer’s parts.

Depending on the insurer and what they offer, comprehensive coverage may cover the cost of repair or replacement.

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How to Get High-Risk Auto Insurance

Insurers consider drivers who have committed several violations as a “high risk” for coverage. Many times, insurance companies in the open marketplace deny them coverage or charge extremely high rates.

The New Mexico Motor Vehicle Insurance Plan (NMMVIP) offers a high-risk auto insurance pool to drivers who can’t qualify for coverage otherwise. The plan assigns drivers to certain insurers and the companies share the risk equally.

To be eligible to join, drivers must have New Mexico licenses and have registered their cars in the state.

They must also have been denied coverage within the past two months in the open marketplace. Premiums tend to cost more than those under traditional insurers.

How to Get Low-Cost Insurance

Though New Mexico has a program to help high-risk drivers, it does not have one for low-income drivers.

California, Hawaii, and New Jersey are the only states with government-funded programs to help low-income drivers pay for their car insurance.

Is There an Automobile Insurance Fraud in New Mexico?

Car insurance fraud occurs when people intentionally falsify or provide incomplete information to get insurance benefits.

According to the Insurance Information Institute, car insurance fraud costs insurers $16 billion annually. The insurers then transfer these losses onto consumers in the form of higher rates.

Car insurance fraud is a crime in New Mexico. Perpetrators can face fines and jail time.

The state considers the following actions as forms of insurance fraud:

  • Falsifying information on an insurance application
  • Filing a false claim
  • Making a false document for support of a claim
  • Making a false statement to obtain a policy or to obtain or maintain any kind of compensation

There are penalties:

  • Victim loss of $250 or less: six months in prison and a $500 fine
  • Victim loss of over $250: one year in prison and a $1,000 fine
  • Victim loss between $500 – $2,500: 18 months in prison and a $5,000 fine
  • Victim loss between $2,500 – $20,000: three years in prison and a $5,000 fine
  • Victim loss over $20,000: nine years in prison and a $10,000 fine

The New Mexico Office of the Superintendent of Insurance investigates insurance and other fraud claims.

To report insurance fraud, you can fill out an online form or call the Office of the Superintendent of Insurance at (855) 857-0972.

According to their 2016 Annual Report, the Office investigated 747 insurance fraud cases that year and referred 18 for prosecution. They processed and recommended 81.26 percent of insurance fraud complaints for further administrative action or closure within 60 days.

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What’s the Statute of Limitations?

The time limit, or statute of limitations, to file a personal injury claim in New Mexico is three years. For property damage claims, it’s four years.

What are the Vehicle Licensing Laws?

Keep reading to find out about the laws regulating the license you need to drive on New Mexico’s roads.

What is Considered a Real ID?

The federal Real ID Act requires a more secure form of identification for entry into federal buildings and for domestic air flights starting on October 1, 2020. In the meantime, existing New Mexico driver’s licenses and ID cards will continue to be accepted until that date or until their expiration. Real ID cards comply with the law and are valid proof of your identity.

In November 2016, the New Mexico MVD started issuing Real ID cards. You’re not required to get one. The MVD will continue to issue regular driver’s licenses and ID cards.

To get a Real ID license or ID card, you must present original or certified copies of your proof of identity, proof of Social Security number, and two proofs of address in person.

The MVD emphasizes that there’s no rush. You can wait until your next renewal or until you need to change your name or address.

This video offers more insights on how to get a Real ID card in New Mexico:

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What are the Penalties for Driving Without Insurance?

As we mentioned earlier, you’ll need to show proof of insurance under the following scenarios in New Mexico:

  • If you’re in an accident
  • When you apply for a vehicle title
  • When you register a car
  • When an officer stops you

If you don’t have insurance, the New Mexico MVD will give you 30 days to provide proof. If you don’t, they will suspend your registration, and you’ll need to pay $30 to reinstate it. Driving without insurance in New Mexico will result in a $100 fine.

First offenders face the following penalties:

  • Fine up to $300
  • Imprisonment up to 90 days
  • License suspension

So, make sure that you have proof of insurance with you at all times; otherwise, you face potential fines and jail time.

What are the Teen Driver Laws?

Young drivers in New Mexico must be at least 15 years old to get a learner’s permit. As part of the state’s graduated driver’s license program, teens must meet the following requirements to get a full or restricted license.

Requirements to Receive License/Restricted LicenseDetails
Mandatory Holding Period 6 months
Minimum Supervised Driving Time 50 hours (10 of which must be at night)
Minimum Age15 years, 6 months

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Teen drivers who get a restricted license must comply with the following rules.

Restricted License Requirements Details
Nighttime Restrictions Midnight to 5 a.m.
Passenger Restrictions (family members excepted unless noted otherwise)No more than 1 passenger younger than 21
When Restrictions can be Lifted Details
Nighttime Restrictions12 months or until age 18, whichever occurs first (minimum age: 16 years, 6 months)
Passenger Restrictions 12 months or until age 18, whichever occurs first (minimum age: 16 years, 6 months)

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A crucial part of safe driving for drivers of all ages is to reduce or remove distractions. Drivers with learner’s permits or restricted licenses can’t text or use a hand-held device.

What are the License Renewal Procedures for Older Drivers?

According to the Insurance Institute for Highway Safety, older drivers must meet the following requirements for license renewal:

  • Renewals: ages 67 -74 – every four years; age 75 and older – every year
    • effective 10/01/19: ages 71 – 78 – every four years; ages 79 and older – every year
  • Provide proof of vision at every renewal if age 75 years or older; otherwise, it’s required at every in-person renewal
  • Mail or online renewal: You can do so at every other renewal unless you need a new photo. This isn’t allowed for drivers aged 75 and older.

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What is the Procedure for New Residents?

As the New Mexico MVD welcomes you to the Land of Enchantment, it will request the following from new residents when they apply for their licenses:

  • Social Security card
  • Birth certificate
  • A current driver’s license
  • Two proofs of the current physical address (bank statements, pay stubs, utility bills, etc.)
  • Drivers aged 18 – 24 only: completion of the None for the Road program to curb accidents, citations, and deaths related to drunk driving

Best of all, 10 MVD Express locations throughout the state let you process your vehicle documentation without the large lines, so you can Get In, Get Done, and Get Going.

What are the License Renewal Procedures?

These are New Mexico’s license renewal requirements for the general population.

AgeRenewal CycleVision TestMail or Online Renewal Permitted
General Population4 or 8 years (personal choice)Required at renewal if doing it in personOnline permitted for every other renewal. If new photo is required, then by mail

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Unless you need a new photo, you can go eight years without an in-person trip to the MVD if you choose to renew online or by mail.

What is Considered a Negligent Operator Treatment System (NOTS)?

Committing certain driving offenses in the Land of Enchantment can earn you points on your license. The points may ultimately lead to a driver’s license suspension or revocation.

Part of New Mexico law prohibits the assignment of points for speeding convictions on rural highways except in Bernalillo County. The law defines a “rural highway” as “part of a highway that is located at least two miles outside of the boundaries of an incorporated city, town or village.”

An exception is for vehicles that weigh 12,000 pounds or more and for speeding convictions if the motorist’s excessive speed was cited as a factor in an accident.

Below are some of the major violations that can generate points.

First up: careless driving, such as speeding or making sharp turns, is a misdemeanor crime. These are the penalties.

Classification of Crime Jail Time Fines Driving Record Points
Misdemeanor Up to 90 daysUp to $3003 points

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Reckless driving may harm yourself and others. Though it’s also classified as a misdemeanor offense, the penalties are worse than for careless driving.

Offense Classification of Crime Jail Time Fines Driving Record Points License Suspension
First Offense Misdemeanor 5 to 90 days $25 to $1006 pointsUp to 90 days
Second and Subsequent OffensesMisdemeanor10 days to 6 months $50 to $1,0006 pointsUp to 90 days

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These are some more common offenses and the points that can result:

  • Speeding 26 mph or more over the posted limit on any road way if the limit is 15, 30, or 75 mph: eight points
  • Passing a school bus taking or discharging passengers or displaying a warning not to pass: six points
  • Speeding 16-25 mph over the posted limit on any road way if the limit is 15, 30, or 75 mph: five points
  • Failure to yield to the right of way to an authorized emergency vehicle: four points

It’s best to obey the rules to keep yourself and others safe than to engage in potentially criminal behavior.

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What are the Rules of the Road?

Now that we’ve covered some of the penalties you should avoid, we’ll go into more detail about the rules of the road.

Is New Mexico at Fault or No-Fault State?

In New Mexico, drivers who are at-fault for an accident must pay for any damages or injuries.

When it comes to filing a legal claim as a result of negligence or breaching the duty not to harm others, the state follows a doctrine of “pure” comparative negligence.

This means that a judge or a jury will assign each party part of the blame for an accident. For example, if your damages were $70,000, and you were found to be 40 percent responsible for the accident, you would recover $30,000 of the damages. You would be responsible for $40,000 of them.

You may also receive damages regardless of your degree of fault — whether it’s two percent, 51 percent, or even 99 percent.

What are the Seat Belt & Car Seat Laws?

Below are New Mexico’s seat belt and child safety seat laws.

Initial Effective Date Primary Enforcement Seat Belt Use Maximum Fine
January 1, 1986Yes. Effective since January 1, 1986 18+ years in all seats$25

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Violations of the seat belt law are a primary offense, which means an officer may pull over violators and ticket them for not wearing a seat belt.

Here are New Mexico’s child seat safety laws:

Car Seat Type Age/Weight
Rear-Facing Child Restraint Younger than 1 year
Child Restraint 1 to 4 years or less than 40 pounds
Booster Seat 5 to 6 years or less than 60 pounds
Adult Seat Belt 7 through 17 years

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New Mexico also restricts riding in the cargo areas of pickup trucks to those aged 18 and older.

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What are the Keep Right & Move Over Laws?

In New Mexico, if you’re driving in the left lane, you must not travel below the speed of the traffic around you.

According to AAA, state law requires drivers who approach a stationary emergency, recovery, or repair vehicle to slow down and move to the next lane (if they can). Drivers who can’t change lanes must slow down and prepare to stop.

What’s the Speed Limit?

In New Mexico, the speed limit is 75 miles per hour on rural and urban interstates, 65 miles per hour on other limited-access roads, and 55 miles per hour on all other roads.

You may also get a ticket not just for violating these limits, but for driving above the “absolute” speed limit. Unless otherwise posted, it’s 35 miles per hour in business and residential areas and 15 miles per hour in school zones.

The fines for exceeding these limits vary based on your speed versus the posted limit.

How Does Ridesharing Work?

Under the Transportation Network Company Services Act, New Mexico requires rideshare drivers to comply with the following safety regulations:

  • Be age 21 or older
  • Pass a background check before approval
  • Have a clean driving record with at least three years’ driving experience
  • Drive sober; the state has a “zero tolerance” policy for those who drive under the influence of alcohol or drugs
  • Drive a vehicle that is properly registered and inspected
  • Have “two-tier” insurance coverage during rides – When you’re not ridesharing, you must carry minimum liability coverage of $100,000. And when you pick up a passenger, you should have liability coverage of $1 million.

Farmers and Geico are among the insurers in New Mexico who offer rideshare coverage.

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Is There an Automation on the Road?

New Mexico doesn’t currently have any laws regarding autonomous vehicles, but there is talk about them. In 2018, the New Mexico Department of Transportation organized a summit regarding the long-term benefits of driverless vehicles.

And a senator recently proposed a bill to bring self-driving cars to the Land of Enchantment:

What are the Safety Laws?

In this section, we’ll cover the laws that most affect everyone’s safety on the road: DUI, marijuana-impaired, and distracted driving laws.

What are the DUI Laws?

The crime of drunk driving is, unfortunately, a major cause of accidents. In 2017 alone, 120 people died from alcohol-related crashes in New Mexico.

Fortunately, the laws in New Mexico are fairly strict and act as a deterrent. If you’re caught with a Blood Alcohol Concentration (BAC) of 0.08 percent or more, you are violating the state’s DWI law and will face fines and prison time.

OffenseFinePrison TimeProbation PeriodMandatory Penalty
First Offense (Misdemeanor)Up to $500Up to 90 daysUp to 1 yearCommunity Service of 24 hours
DWI School
Second Offense (Misdemeanor)Up to $1,000Up to 364 daysUp to 5 yearsCommunity Service of 48 hours
Substance abuse screening
Third Offense (Misdemeanor)Up to $1,000Up to 364 daysUp to 5 yearsCommunity Service of 96 hours
Substance abuse screening
Fourth Offense (Felony)Up to $5,000Up to 18 months, mandatory jail time of 6 monthsUp to 5 yearsSubstance abuse treatment
Follow recommended treatment
Fifth Offense (Felony)Up to $5,000 fine
Up to 24 months, mandatory jail time of 12 monthsUp to 5 yearsSubstance abuse treatment
Follow recommended treatment
Sixth Offense (Felony)Up to $5,000 fineUp to 30 months, mandatory jail time of 18 monthsUp to 5 yearsSubstance abuse treatment
Follow recommended treatment
Seventh Offense (Felony)Up to $5,000 fine
Up to 3 years, mandatory jail time of 2 yearsUp to 5 yearsSubstance abuse treatment
Follow recommended treatment
Eighth Offense (Felony)Up to $10,000 fine
Up to 12 years, mandatory jail time of 10 yearsUp to 5 yearsSubstance abuse treatment
Follow recommended treatment

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Any level of DWI requires you to participate in a None For The Road class. Any DWI conviction will stay on your record for 55 years. This also means you will likely be a higher-risk driver and face increased insurance rates.

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What are the Marijuana-Impaired Driving Laws?

New Mexico doesn’t have specific laws regarding marijuana-impaired driving. Regardless, as the New Mexico MVD states, “Driving under the influence of any drug that makes you drive unsafely is against the law.”

The MVD also says studies have shown that marijuana users make more mistakes, have more trouble adjusting to glare, and get arrested for more traffic violations than other drivers.

Impaired driving earns the same penalties as an alcohol-related DWI: fines, jail time, license suspension, and so on.

What are the Distracted Driving Laws?

New Mexico bans texting while driving, however, fully licensed drivers may still talk on the phone. Drivers with learner’s permits or intermediate license holders may not use cell phones at all.

This New Mexico State Police video to promote Distracted Driving Awareness Month (in April) reminds drivers of the dangers:

What’s Driving in New Mexico like?

You’ll see long stretches of highway throughout New Mexico — roads in varying conditions running through the desert while the sun beats down and eventually sets, letting the stars shine.

Among the risks of driving in this Land of Enchantment are vehicle thefts and fatal crashes, which can make you worry about whether you and your loved ones can stay safe. Below, we’ll go over figures that highlight these dangers and the major causes of crashes.

The crash statistics come from the National Highway Traffic Safety Administration (NHTSA) and serve as a reminder to drive safely.

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Is There a Vehicle Theft in New Mexico?

Some cars are stolen more than others because of their resale value (including parts). These are among the most popular cars stolen in New Mexico.

RankMake and ModelMost Popular Vehicle YearNumber of Thefts
1Honda Civic1998572
2Ford Pickup (Full Size)2006557
3Honda Accord1994545
4Chevrolet Pickup (Full Size)2006483
5Dodge Pickup (Full Size)2003269
6GMC Pickup (Full Size)2006180
7Jeep Cherokee/Grand Cherokee1994149
8Toyota Camry1999128
9Chevrolet Pickup (Small Size)1998101
10Chevrolet Impala200590

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Next, let’s see how many cars were stolen in each city.

What’s the Vehicle Theft Rate by City?

These FBI figures from 2017 show which New Mexico cities are “hotbeds” of car theft.

StateMotor
Vehicle
Theft
Alamogordo81
Albuquerque7,684
Angel Fire2
Anthony9
Artesia13
Aztec8
Bayard7
Belen80
Bernalillo50
Bloomfield9
Bosque Farms20
Capitan0
Carlsbad118
Carrizozo0
Cimarron0
Clayton0
Cloudcroft0
Clovis142
Corrales4
Cuba3
Deming54
Dexter0
Edgewood7
Espanola33
Estancia0
Eunice5
Farmington153
Gallup191
Grants21
Hatch1
Hobbs93
Hope0
Hurley0
Jal6
Las Vegas23
Logan3
Lordsburg3
Los Alamos2
Los Lunas128
Magdalena2
Mesilla1
Moriarty14
Peralta40
Portales35
Questa2
Raton23
Red River0
Rio Rancho224
Roswell98
Ruidoso13
Ruidoso Downs5
Santa Clara1
Santa Fe214
Santa Rosa5
San Ysidro0
Socorro21
Springer1
Taos40
Taos Ski Valley0
Tatum0
Texico1
Truth or Consequences9
Tularosa6

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Typically, cities with higher populations, such as Albuquerque, tend to have more vehicle thefts than rural areas.

What’s the Number of Road Fatalities in New Mexico?

How many crashes have occurred on New Mexico highways? What caused them? We’ll answer those questions in this section.

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Which is the Most Fatal Highway in New Mexico?

The New Mexico highway with the most traffic deaths is Interstate 40 (I-40), which connects the state with Arizona
and Texas. An average of 34 deaths occurs along the highway each year.

What’s the Number of Fatal Crashes by Weather & Light Condition?

Let’s see how weather and light conditions affected accidents in New Mexico.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1505193181313
Rain5431114
Snow/Sleet000101
Other401207
Unknown004015
Total15955101223340

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The majority of crashes occurred in normal daylight conditions.

What’s the Number of Fatalities (All Crashes) by County?

Here is a snapshot of the fatal crashes in each New Mexico county.

County20132014201520162017
Bernalillo County52696410091
Catron County61001
Chaves County9712146
Cibola County147111713
Colfax County67454
Curry County44274
Debaca County20350
Dona Ana County1419182429
Eddy County151610717
Grant County522310
Guadalupe County678129
Harding County12020
Hidalgo County194312
Lea County1231131316
Lincoln County55276
Los Alamos County02000
Luna County616122
Mckinley County2648232230
Mora County34242
Otero County8131036
Quay County6111142
Rio Arriba County13812118
Roosevelt County42556
San Juan County2739313234
San Miguel County73473
Sandoval County181451616
Santa Fe County919142316
Sierra County42337
Socorro County884162
Taos County610289
Torrance County1158125
Union County11011
Valencia County2105712

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Bernalillo, the most populated county, topped the list with the most accidents.

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What’s the Number of Traffic Fatalities?

For more insights into crash locations, here is a breakdown of the crashes on urban and rural roads from 2008 – 2017.

Type of Road2008200920102011201220132014201520162017
Rural265258265273259215248176229195
Urban101103847710696133119172179
Total366361349350366311386298405379

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Overall, more crashes occurred on rural roads, though in recent years, this number has decreased slightly, while it increased a bit on urban roads.

What’s the Number of Fatalities by Person Type?

These were the fatalities from 2013 – 2017 by type of vehicle.

Person Type20132014201520162017
Passenger Car811067911693
Light Truck - Pickup5565507362
Light Truck - Utility4638457259
Light Truck - Van520569
Light Truck - Other22321
Large Truck161712617
Bus20000
Other/Unknown Occupants812525
Total Occupants215260199277246
Total Motorcyclists4146384753
Pedestrian4975547474
Bicyclist and Other Cyclist45742
Other/Unknown Nonoccupants20034
Total Nonoccupants5580618180
Total311386298405379

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As you can see, most of the crashes involved occupants of passenger cars.

What’s the Number of Fatalities by Crash Type?

These figures feature not just certain types of vehicles, but certain actions that led to fatalities.

Crash Type20132014201520162017
Total Fatalities (All Crashes)311386298405379
Single Vehicle193246194248205
Involving a Large Truck5472464070
Involving Speeding122132130146141
Involving a Rollover128129115169118
Involving a Roadway Departure137182150207176
Involving an Intersection (or Intersection Related)6354667594

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Most of the crashes involved single vehicles, followed by roadway departures.

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5-Year Trend for the Top 10 Counties

Here’s how many crashes occurred by county from 2013 – 2017.

New Mexico Counties by 2017 Ranking20132014201520162017
Bernalillo County52696410091
San Juan County2739313234
Mckinley County2648232230
Dona Ana County1419182429
Eddy County151610717
Lea County1231131316
Sandoval County181451616
Santa Fe County919142316
Cibola County147111713
Hidalgo County194312
Top Ten Counties202279209277274
All Other Counties10910789128105
All Counties311386298405379

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Sadly, we see a trend of fatal accidents rising in recent years.

What’s the Number of Fatalities Involving Speed by County?

This time, we’ll look at the number of speeding-related deaths by county.

County Name20132014201520162017
Bernalillo County1623344031
Catron County10000
Chaves County55643
Cibola County43857
Colfax County21041
Curry County12133
Debaca County10120
Dona Ana County591257
Eddy County933110
Grant County21015
Guadalupe County11051
Harding County01000
Hidalgo County00002
Lea County35586
Lincoln County22014
Los Alamos County02000
Luna County10331
Mckinley County111511514
Mora County12010
Otero County26612
Quay County21221
Rio Arriba County731042
Roosevelt County32211
San Juan County91381412
San Miguel County12120
Sandoval County1182510
Santa Fe County45143
Sierra County32132
Socorro County61270
Taos County13243
Torrance County52562
Union County11011
Valencia County28447

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Again, unfortunately, for the most part, the numbers increased from 2013 – 2017.

What’s the Number of Fatalities In Crashes Involving an Alcohol-Impaired Driver?

Here are the numbers of alcohol-related crashes that led to deaths on New Mexico roads.

County Name20132014201520162017
Bernalillo County1417303429
Catron County21000
Chaves County34432
Cibola County31644
Colfax County13100
Curry County11222
Debaca County00010
Dona Ana County67668
Eddy County23015
Grant County00114
Guadalupe County01102
Harding County00000
Hidalgo County02002
Lea County57255
Lincoln County53212
Los Alamos County00000
Luna County20221
Mckinley County91410415
Mora County02110
Otero County37413
Quay County12120
Rio Arriba County41564
Roosevelt County11111
San Juan County131391411
San Miguel County22031
Sandoval County54182
Santa Fe County36196
Sierra County21112
Socorro County22240
Taos County34235
Torrance County52040
Union County01010
Valencia County05304

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As with many other types of crashes, many times, the number of deaths rose over the years.

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What are the Teen Drinking & Driving Laws?

In New Mexico, it’s illegal to drive with a breath or blood alcohol concentration of .02 if you’re under 21.

New Mexico has among the highest rates of underage drinking and driving in the U.S. With 62 total arrests in 2016, the state ranks 15th nationwide.

The state also averages 2.6 per 100,000 alcohol-impaired driving deaths under age 21 per one thousand people. This is more than double the national average of 1.2 per 100,000.

What’s the EMS Response Time?

Below, we’ll look at Emergency Medical Services response times from the time of the crash to notification of arrival at the hospital.

Type of RoadTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Total Fatal Crashes
Rural7.7118.5751.7255.67169
Urban5.927.1226.6837.96166

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The response times in rural areas were slightly longer than in urban areas, which may reflect the distance from, and potential difficulties in getting to, more remote areas.

What’s Transportation like in New Mexico?

Transportation takes us from point “A” to point “B,” but what happens along the way can affect our journeys. Traffic congestion, for instance, can lead to long commutes. Part of that involves the sheer number of cars on the road.

Here, we’ll look at the number of cars the average New Mexican owns, the average length of commutes, and the forms of transportation commuters take.

So, learn more about New Mexicans’ transportation habits with the below information Data USA has compiled. The bars in orange represent New Mexico and those in the gray show the U.S.

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What is the Percentage of Car Ownership?

Car ownership is a modern-day symbol of independence. Let’s see how many cars New Mexicans own compared to the U.S. average.

New Mexico Car Ownership

About 40 percent of New Mexicans own two or more cars, which is just below the national average. In second place, more New Mexico residents own three or more cars than the national average.

What’s the Average Commute Time?

Here we break down how long it takes the average New Mexican to travel to and from work.

New Mexico Commute Time

About 20 percent of New Mexicans travel 15 – 19 minutes to work. Residents face an average commute time of 21 minutes, which is below the U.S. average of 23.5 minutes. Fewer than two percent of residents take a “super commute” of 90 minutes or more.

What is the Preferred Commuter Transportation?

Now, let’s see how New Mexicans commute regularly.

New Mexico Commuter Transportation

Like the national average, most New Mexicans drive alone (79 percent). Only about 11 percent carpool, which is up above the U.S. average.

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Is There a Traffic Congestion in New Mexico?

According to Inrix‘s Global Traffic Scorecard, Albuquerque is the 44th-most-traffic-congested city in the U.S. Drivers there lost an average of 57 hours in congested traffic.

City Hours Lost in Congestion Year Over Year Change Cost of Congestion (Per Driver)Inner City Travel Time (Minutes)Inner City Last Mile Speed
Albuquerque57 (186)-5%$792416 mph

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Apart from the lost hours in traffic, traffic jams also cost drivers financially because of the loss of fuel and productivity. The average cost of congestion in New Mexico was $792 per driver.

According to the TomTom Traffic Index, Alburquerque drivers spent 16 percent more time in traffic. That amounts to 16 extra minutes daily or 62 extra hours per year. In the morning, drivers see their traffic time rise 21 percent, and in the evenings, drivers experience a 32 percent increase.

Highway drivers face a four percent increase in travel time compared to other roads, where there is a 24 percent rise.

This news report addresses Albuquerque’s traffic congestion problem:

We’ve come to the end of an eventful run through this comprehensive car insurance guide. What did you think? Did we answer your questions?

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Resources

https://theculturetrip.com/north-america/usa/new-mexico/articles/heres-why-new-mexico-is-known-as-the-land-of-enchantment https://www.thehartford.com/aarp/car-insurance/new-mexico/state-driving http://www.tripnet.org/docs/Rural_Roads_NM_TRIP_Release_06-27-2017.php https://www.iii.org https://www.mvd.newmexico.gov/vehicle-procedures-manual.aspx?1f7fcb5548ee4e17a47ff4e27e571a01blogPostId=8bff624970514274a8356c0d6d5bf774#/BlogContent http://www.mvd.newmexico.gov/vehicle-insurance.aspx https://www.allstate.com/tr/car-insurance/electronic-insurance-card.aspx https://content.naic.org/ https://www.travelers.com/car-insurance/programs/Intellidrive https://www.quadinfo.com/ https://www.trafficsafetystore.com/blog/who-causes-accidents/ https://web.ambest.com/ratings-services/guide-to-best-s-credit-ratings https://www.experian.com/blogs/ask-experian/consumer-credit-review/ https://www.osi.state.nm.us/ https://www.naic.org http://www.carwindshields.info/states https://www.aipso.com/Plan-Sites/New-Mexico https://www.iii.org/article/background-on-insurance-fraud#No-Fault%20insurance%20fraud https://www.stopfraud.org https://www.osi.state.nm.us/index.php/stop-fraud/ https://www.osi.state.nm.us/wp-content/uploads/2019/07/OSI-2016-Annual-Report.pdf http://www.mvd.newmexico.gov/real-id-information.aspx http://realfile.tax.newmexico.gov/REALID-acceptable-docs.pdf http://www.rmiia.org/auto/steering_through_your_auto_policy/Uninsured_New_Mexico.asp http://www.mvd.newmexico.gov/apply-for-a-learner-s-permit.aspx https://www.iihs.org/ https://www.mvdexpress.com/mvd-express-the-top-resource-for-new-residents-of-new-mexico/ https://nonefortheroad.org/ http://realfile.tax.newmexico.gov/mvd11011.pdf https://www.newmexicoinjurylawyer.net/comparative-fault-new-mexico-personal-injury-lawsuits/ http://www.aaa.com https://www.drivinglaws.org/resources/traffic-tickets/speed-violations/new-mexico-speeding-laws.htm https://ij.org/new-mexico-legalizes-uber-and-lyft/ https://nmpoliticalreport.com/2018/04/04/new-mexico-readies-for-driverless-vehicles/ https://www.responsibility.org/alcohol-statistics/state-map/state/new-mexico/ https://www.endwi.com/laws-penalties http://www.mvd.newmexico.gov/dwi-information.aspx https://www.iihs.org/topics/distracted-driving/cellphone-use-laws https://www.nhtsa.gov https://www.fbi.gov/services/cjis/ucr https://www.geotab.com/the-most-dangerous-highways-in-america/ http://www.mvd.newmexico.gov/dwi-information.aspx/ https://datausa.io/profile/geo/new-mexico/ https://inrix.com/scorecard/ https://www.tomtom.com/

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