Skip to Content
Start of Content

Coverage and service as diverse as New Mexico

New Mexico has more than 7,400 miles of roadways, offering plenty of room to roam. If you live in the Land of Enchantment, USAA offers a combination of coverage and service as diverse as New Mexico. Whether you're rolling through the Rocky Mountain Region or gallivanting the Great Plains, USAA can be there for you.

The average cost of car insurance in New Mexico

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay. New Mexico also has a lower risk for natural disasters, which may decrease car insurance costs.

See note$160 See noteper month

The average monthly cost for all USAA auto policies issued in New Mexico in 2023.See note1

New Mexico coverage requirements and minimums

As of Jan. 1, 2024, New Mexico law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $25,000 of bodily injury liability coverage per person

    This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers, if you're found at fault for an accident. Subject to the terms and conditions of the policy.

  • $50,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for costs related to injuries or deaths to other vehicles' drivers and their passengers if you're at fault for an accident.

  • $10,000 of property damage liability coverage

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.See note4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in New Mexico

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)