New Mexico Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of New Mexico is $25,000 for injury, $50,000 for all injuries, and $10,000 in property damage. Commonly referred to as 25/50/10 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer
  • Permanent Insurance Card
  • Policy Declaration Page
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent
  • A letter from your auto insurance company (on company letterhead) that verifies your auto insurance coverage
If you do not maintain this insurance in the state of New Mexico, you will have your registration/license suspended, and face possible criminal charges.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained.

Below is a list of violations and their corresponding point values:


  • 6 to 15 mph over – 3 points
  • 16-25 mph over – 5 points
  • 26+ mph over – 8 points

The following violations gain 3 points:

  • Careless driving.
  • Failure to obey traffic instructions stated on traffic sign or shown by traffic control device.
  • Following the vehicle ahead too closely.
Failure to yield right of way in manner required. Vehicle turning left at intersection.
  • Failure to yield right of way at yield sign after stop or when emerging from private drive way.
  • Certain vehicles must stop at railroad grade crossings.
  • Improper backing.
Making improper turn.
  • Failure to drive on right side of roadway when required.
  • Passing vehicles proceeding in opposite directions.
  • Improper overtaking or passing of a vehicle.
  • Driving to the left of center of roadway when prohibited.
  • Passing where prohibited by posted signs, pavement markings, or hill or curve.
  • Passing with insufficient distance allowed for other vehicles or with inadequate visibility.

The following violations gain 2 points:

  • Operating with any defective equipment resulting in inability to control vehicle movement properly.
  • Operating with defective brakes.
  • Failure to signal intention to change vehicle direction or to reduce speed suddenly.
  • Giving wrong signal.
  • Overloading vehicle with passengers or cargo.
  • Failure to restrain child passenger properly.
  • Failure to use seatbelt properly.

Passing a school bus. Racing. Reckless driving are all worth 6 points.

When a driver accumulates 7-10 points within 1 year, their license will be suspended for 3 months. If they gain 12 points within 1 year, their license will be suspended for 1 year.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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