Insurance requirement guides for New Mexico.
$25,000 / $50,000 / $10,000
Bodily injury per person / per accident / property damage, written 25/50/10
Set by NMSA § 66-5-208. Read off the statute on , and the figure every New Mexico guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
New Mexico has no state boat insurance mandate, but marinas at Elephant Butte Lake and Navajo Lake commonly require liability cover in the slip agreement. Nearly all of the state's boating water is a federal reservoir, not a natural lake.
New Mexico requires 25/50/10 minimum motorcycle liability and UM coverage unless rejected in writing; helmets are required only under 18. With a ~21-24% uninsured driver rate and open-range livestock hazards, coverage gaps are costly.
New Mexico requires 25/50/10 liability, and uninsured motorist coverage is included unless you reject it in writing. With 21-24% of drivers uninsured, learn what coverage protects you in one of the nation's highest uninsured-driver states.
Discover more content by exploring these related tags
Every guide on this page covers a New Mexico requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each New Mexico guide on this site is checked against that same figure. The regulators linked above are where New Mexico publishes the rules, so they are the place to confirm anything before you rely on it.
