Auto Insurance in New Mexico

There's no better time than the present to get the auto coverage you need. The sad truth is that only about 79 percent of New Mexico residents have auto insurance, even though it is very much a state requirement. This leads to extremely costly accidents and serious fines.

Don't get caught out on the road without insurance. Without it, you are putting yourself and everyone in your car at serious risk. If you are deemed at fault in an accident, your financial woes can be tenfold. For residents of the San Juan County area, the experts at Zenity Insurance are here to help.

We have years of experience in auto insurance, and we can help you find the policy that meets state requirements and fits your lifestyle.

New Mexico Insurance Requirements

In our state, various insurance coverage minimums must be met. While not as strict as some states, required areas of coverage include bodily injury (both per accident and per person) and property damage (typically refers to vehicle damage). You may receive a fine if you are found driving without proper insurance coverage, and you also cannot register your vehicle in this state without it.

Recommended Insurance Coverage

Carrying the bare minimum insurance is often not enough in the event of an accident. It is recommended that you also look into these coverage areas:

  • Medical Payments Coverage - Medical payments that you may incur yourself after being involved in an accident.
  • Collision Coverage - damage inflicted to your car by another vehicle or in an accident caused by you
  • Uninsured / Underinsured Motorist Coverage - If you are involved in an accident with someone who does not have sufficient insurance coverage, this will keep you protected when they cannot pay what they owe.
  • Comprehensive Coverage - Unlike typical auto insurance, this form of coverage will protect your vehicle if it is damaged in non-collision events like fire, vandalism, hail, flooding, etc.

Ready to learn more about your auto insurance options and what kind of coverage you need in the San Juan County area? Contact us at Zenity Insurance today!