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New Mexico Car Insurance

Living in the “Land of Enchantment” comes with joy, so there should not be a frown on your face when it comes to paying for insurance. At Good2Go Insurance, Inc. we help you get back on the scenic roads for less!

At Good2Go Insurance, Inc. we provide New Mexico residents with quality insurance at a cheap cost.

New Mexico Penalties for Driving Without Car Insurance

In the state of New Mexico, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in New Mexico include: a fine of $300, imprisonment of up to 90 days, and potential suspension of registration.

New Mexico Car Insurance Laws

According to the New Mexico Motor Vehicle Division, New Mexico’s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. New Mexico vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

• $25,000 for bodily injury to or death of one individual in any one accident
• $50,000 for bodily injury to or death of two or more individuals in any one accident
• $10,000 for injury to the property of others in any one accident

New Mexico DUI/DWI Laws and Penalties

New Mexico DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. New Mexico DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. First-time offenders of a DUI face:

• A two-year license suspension
• Up to a year in jail, with 96 hours mandatory
• Up to a $1,000 fine.

New Mexico Cell Phone Driving Laws and Texting While Driving Laws

The state of New Mexico currently does not have a full ban on cell phone use for all drivers, however, local municipalities may have such a ban. However, novice drivers under the age of 18 are prohibited from using a cell phone in any manner (talking, texting, playing games, etc.) while driving. New Mexico also has a texting while driving ban for all drivers. Violators could face a fine up to $50.

New Mexico SR-22 Insurance Document

New Mexico does not require an SR-22. However, if you have an SR-22 filing in another state, and move to New Mexico, you must maintain your SR22 in the state where it is required. An SR-22 form may need to be filed for three years with your former state, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents with your former state for drivers that are required to keep and show valid auto liability insurance.