AARP New Mexico Car Insurance

New Mexico car insurance
Pay as little as $118‡‡‡ a month in New Mexico with the AARP Auto Insurance Program from The Hartford.

Get Car Insurance in New Mexico

Whether you’re a driver looking for a cotización de seguro para autos or you just want to learn more about buying car insurance in New Mexico, we’re here to help. With the AARP® Auto Insurance Program from The Hartford,1 you can get the coverage you need at the right price. In fact, The Hartford is an auto insurance company that’s been providing car insurance coverages in New Mexico since 1984.
New Mexico is a state rich with cultural and scenic diversity. As you travel New Mexico’s roadways and enjoy all that the Land of Enchantment has to offer, you can feel protected with car insurance from The Hartford.

Proof of Car Insurance in New Mexico

It’s important for drivers to have New Mexico auto insurance. For instance, if you’re involved in an accident, New Mexico state laws require you to furnish a copy of your car insurance ID card if requested by a police officer or other party. That’s why keeping a copy of your ID card in your vehicle with your registration is a good idea.

Car Insurance Benefits Offered to New Mexico Drivers

car insurance new mexicoWhile it’s important to follow insurance requirements in New Mexico, AARP members can still qualify for certain discounts from the AARP Auto Insurance Program from The Hartford, including:
  • New Car Replacement,§§ so if you total your new car, we’ll replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.
  • Exención por accidente – As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
  • Disappearing Deductible is an optional benefit that reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.
  • 24/7 Claim Service that allows you to reach our representatives at any time of day at 800-243-5860.

What Are the Car Insurance Requirements in NM?

Every state has different insurance requirements for la resposabilidad por lesiones corporales y límite de responsabilidad por daño a la propiedad. The state minimums for New Mexico car insurance are:2
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $10,000 for property damage per accident

New Mexico Uninsured Driver Facts

According to a 2021 Insurance Research Council report, 21.8% of New Mexico drivers were uninsured in 2019. 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 your policy. However, you do have the option to turn down uninsured/underinsured coverage and still be compliant with car insurance laws, but you must do so in writing.

Additional New Mexico Car Insurance Coverages Available to Drivers

For added protection, New Mexico drivers may also be eligible for the following auto insurance coverages from the AARP Auto Insurance Program from The Hartford:
  • Cobertura integral helps pay for the cost of damage to your car for non-collision related claims. For instance, if theft damages your car, this coverage can help.
  • Cobertura por colisión, which helps pay for damage to your car from a collision with another vehicle or an object like a fence or tree. It also helps cover damage from only your car, like a rollover accident.
  • Cobertura de gastos médicos to help pay for medical expenses and rehabilitation if you’re in an accident.
  • Rental reimbursement, which can help cover rental cars.
  • Roadside assistance that offers a network of 40,000 towing services across the U.S. You can reach us at RESCUE 1-800® by calling 800-322-7789.

What Is the Average Cost of Auto Insurance in New Mexico?

Our customers in New Mexico pay an average of $1,419 a year, or about $118 a month, for car insurance.‡‡‡ Remember, insurers use different factors to determine car insurance rates. So, your cost may be different than the average.
To find the cheapest car insurance rates, you’ll want to get multiple quotes from different car insurance companies and compare them. To get started, obtener una cotización from us today.

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 few:5

New Mexico Seat Belt Laws:

New Mexico is one of 34 states that have a primary seat belt law. This 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 New Mexico.

New Mexico Teen Driver Laws:

Getting a driver’s license is a rite of passage for 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 required to be safe behind the wheel. Graduated licensing laws help to:
  • Limit nighttime driving
  • Restrict teen passengers
  • Ensure an adequate amount of supervised driving practice

Get a Free New Mexico Car Insurance Quote

We can help you learn more about liability insurance requirements in New Mexico and get a quote for our insurance products and services. You can speak with one of our customer service specialists at 888-546-9099 or get a cita online. We’ll help you find the best auto coverages to fit your individual needs.
Última actualización: 2 de abril de 2024
2 Rocky Mountain Insurance Information Association (RMIIA), “New Mexico Auto Insurance Requirements.”
3 Insurance Information Institute (III), “Facts + Statistics: Uninsured Motorists.”
4 Bankrate, “Average Cost of Car Insurance in New Mexico for 2022.”
5 Governors Highway Safety Association (GSHA), “State Laws.”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
definición del seguro para automóviles

Explicación simple sobre el seguro para autos

Respuestas rápidas y definiciones de seguro para automóviles fáciles de entender pensadas para usted.
Para conocer más, visite nuestra página de definiciones del seguro para automóviles .
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.