Car Insurance for New Mexico Drivers
Welcome to the AARP® Auto Insurance Program from The Hartford! If you’re a New Mexico driver looking for a car insurance quote, or just want to learn more about buying car insurance in New Mexico, The Hartford is here to help. Since 1984, the AARP Auto Insurance Program from The Hartford1 has been protecting New Mexico AARP members and their families with car insurance.
New Mexico is a state rich with cultural and scenic diversity, so there is plenty to see and do. When you travel along New Mexico’s roadways, you can feel protected with car insurance from the AARP Auto Insurance Program from The Hartford. With high customer ratings for claim service, The Hartford has earned a reputation for integrity and trust over the years.
Car Insurance Benefits Offered to New Mexico Drivers
New Mexico drivers could be eligible for several valuable benefits from the AARP Auto Insurance Program from The Hartford, including:
12-month Rate Protection
New Car Replacement§§
24/7 Claim Service
Required Car Insurance Coverages in New Mexico
The following minimum liability car insurance limits are required by New Mexico state law2:
$25,000 for bodily injury, per person per accident.
$50,000 for bodily injury, total per accident.
$10,000 for property damage per accident.
Proof of Car Insurance in New Mexico
If you’re involved in an accident, New Mexico state law requires you to furnish a copy of your car insurance ID card if requested by a police officer or other party. That’s why it’s a good idea to keep a copy of your ID card in the vehicle with your registration.
New Mexico Uninsured Driver Facts
According to a 2012 Insurance Research Council report, 20.8 percent of New Mexico drivers are uninsured. This is above the national average of 12.6%.3
Being involved in an accident with an uninsured or underinsured motorist could be financially devastating. New Mexico requires this coverage to be part of the policy. However, the insured does have the option to turn down uninsured/underinsured coverage and still be compliant with car insurance laws, but they must do so in writing.
Additional Car Insurance Coverages Available to New Mexico Drivers
For added protection, New Mexico drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
Staying Safe on New Mexico Roads
As you travel through New Mexico, there are a number of safe driving laws meant to protect you on New Mexico’s highways and byways. Here are just a few4:
New Mexico Seat Belt Laws:
New Mexico is one of 34 states that have a primary seat belt law – which means that law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.
New Mexico Distracted Driving Laws:
New Mexico has a number of laws in place to discourage distracted driving:
New drivers in New Mexico are not allowed to use hand-held or hands-free cell phones.
Texting while driving is banned in the State of New Mexico.
New Mexico Teen Driver Laws:
Getting a driver’s license is a rite of passage for all teenagers, and New Mexico wants to be sure they stay safe in the process! New Mexico has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.