Cheap SR22 New Mexico Auto Insurance

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An SR-22 form is documentation within most states in the United States that is required to prove future financial responsibility in the event that an accident occurs. It is filed as a requirement for the reinstatement of a suspended or revoked license after certain traffic or driving violations have been committed, usually a DUI.

New Mexico is one of six states in America that do not require the filing for offences committed within the state. In its place are stricter driving laws designed to provide all drivers and motorists using the roads of the state. One of such laws is the requirement by the state for every driver to possess an auto insurance policy that meets certain minimum liability coverage requirements.

SR22 insurance
SR22 insurance

These minimum requirements are:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $10,000 property damage coverage.

Failing to possess a policy that meets these requirements while driving on the streets of New Mexico could lead to the addressing of a notice of noncompliance from the Motor Vehicle Division and a subsequent suspension of your license if the notice is not heeded. In such cases, the license would be reinstated following the renewal or purchase of a policy and the payment of the necessary reinstatement fees.


New Mexico drunk driving laws

In New Mexico, it is illegal t drive while under the influence of alcohol or other intoxicating substance and the penalties awarded vary based on your previous record.

First offenders may face:

  • A $500 fine
  • Probation
  • A jail sentence of up to 90 days
  • Enrollment in a state approved DWI school
  • A license suspension
  • Community service
  • An Ignition Interlock Device requirement.

A subsequent offender can be awarded a combination of stricter variations of the above listed penalties in addition to being ordered to enroll in and complete an inpatient or outpatient treatment program.

New Mexico Ignition Interlock Device (IID) requirements

In New Mexico, the state can require any driver convicted of driving under the influence or driving while intoxicated to install an ignition interlock device as part of the conditions of their probation. In the event that you are convicted for a fourth or subsequent offence, you can be ordered to install an ignition interlock device for life.

In the event that a driver has been ordered by a New Mexico court to use an IID, such a driver is not allowed to operate any vehicle that does not have the device installed in it. In addition, to apply for an ignition interlock device, the following must be done:

  • Obtainment of an ignition interlock license through the Motor Vehicle Division
  • Payment of a reinstatement fee
  • Provision of copies of the ignition interlock device provider contract
  • Submission of evidence of insurance
  • Filing of a notarized affidavit for an ignition interlock device license

If caught driving without the IID after a conviction and court order to install it, a driver faces jail time, hefty fines, a license revocation and vehicle impoundment.

Optional insurance coverage

Despite the lack of need for an SR-22 form within the state, it is quite common for inhabitants and drivers within the state of New Mexico to obtain extra insurance coverage to better protect themselves in the event of an accident.

Collision & Comprehensive Coverage

This insurance coverage is required by many insurance providers within New Mexico for the purpose of financing damages that may be sustained to your vehicle as a result events beyond your control. Collision coverage caters for damages caused by another car, an object or a rollover while comprehensive coverage protects you against destruction to your car from hazards such as theft, hail, vandalism, wind, flood and fires.

Medical Payments Insurance

Medical payments insurance coverage caters to reasonable expenses due to injuries that could be sustained by a driver and other passengers in their vehicles. This coverage protects a driver and the occupants of their vehicle regardless of who is at fault in an accident and its cost can vary from provider to provider. Individuals can choose to get this coverage if they have n health insurance or they can purchase it to complement any medical insurance cover they already possess.

Vehicles that have no insurance in New Mexico are bound to have their registration within the state suspended. In line with the New Mexico Mandatory Financial Responsibility Act, the state has the authority to order the owner of an uninsured motor vehicle to return the vehicle registration and license plate to the Motor Vehicle Division within ten days of the notice. Failure to heed this notice will leave such an owner vulnerable to penalties prescribed by state law including criminal offences.

Cost of an SR-22 policy in New Mexico

New Mexico doesn’t require an SR-22 filing or insurance policy of its drivers but demands that all drivers possess adequate auto insurance policy in line with state law. The cost of the insurance policy could vary from provider to provider and is affected by factors such as driving record, age, credit score, gender, occupation and so on.

New Mexico Car Insurance Rates Near Me


Cheap SR22 Car Insurance New Mexico

Types of SR-22 forms available in New Mexico

There are no SR-22 forms available at all within New Mexico.

What to do if you have no car or license

If you have no car in New Mexico but wish to legally drive, you would be required to purchase an insurance policy that meets the liability coverage requirements of the state.

If you are from another state or are moving to another state

If you have an SR-22 filing from out of state, you are required to maintain it while driving in New Mexico but ensure that your insurance policy also meets the liability coverage requirements in New Mexico.

What to do if the SR-22 lapses

There is no SR-22 requirement in New Mexico but in the event that your insurance coverage within the state lapses for whatever reason, you are required to ensure that it is renewed before you get behind a wheel again.


Frequently Asked Questions (FAQ)

  • How much is an SR-22 per month?
  • New Mexico is one of six states in America that do not require the filing for offences committed within the state and as such there is no cost. However, the state requires that its drivers all possess auto insurance policies in line with certain liability coverage requirements. The cost of the insurance policy could vary from provider to provider and is affected by factors such as driving record, age, credit score, gender, occupation and so on.

    SR22 insurance

  • How do you know when you no longer need SR-22 insurance?
  • There is no SR-22 requirement in New Mexico but in the event that your insurance coverage within the state lapses for whatever reason, you are required to ensure that it is renewed before you get behind a wheel again.

    For specific information pertaining to another state in question, please refer to the respective state guides that are more in-depth.

  • How long do you have to carry SR-22 insurance New Mexico?
  • New Mexico is one of six states in America that do not require the filing for offences committed within the state. In its place are stricter driving laws designed to provide all drivers and motorists using the roads of the state.

  • Does triple A offer SR-22 insurance?
  • AAA provides SR-22 insurance to people that have insurance policies with the company.

  • Do I need an SR-22 if I don’t drive?
  • There is no SR-22 requirement in New Mexico but the state requires all drivers to carry an auto insurance policy that meets its minimum liability coverage requirements. However, if you don’t drive, such a policy is not required of you. But, if you ever changed your mind, get yourself an appropriate policy from an authorized provider before getting behind the wheel.

  • Does SR-22 cover any car I drive?
  • It can. Depending on the certification you are carrying, your SR-22 can cover any car you drive. The certification that confers this kind of coverage is usually referred to as an operator-owner’s certificate.

  • How much does SR-22 raise your insurance?
  • There is no SR-22 requirement in New Mexico but committing an offence that may require the filing in other states could result in an increase in an average increase in insurance premiums of 83%. Thus, the average insurance rate for drivers with such offences on their record within New Mexico is $2,735 per annum or $228 per month.

  • Do I need SR-22 and regular insurance?
  • No. All you need to legally drive in New Mexico is an insurance policy that is in line with the minimum requirements of the state.

  • Is SR-22 insurance full coverage?
  • The extent of coverage of an SR-22 insurance policy varies from person to person. The law in most states requires that the SR-22 insurance policy meet certain minimum liability coverage requirements but an individual can get full coverage if it pleases them.

  • What happens if you don’t get SR-22 insurance?
  • New Mexico doesn’t require its drivers to file for an SR-22 but all drivers must possess insurance policies that meet the liability coverage requirements of the state. However, if an individual has an out of state SR-22 filing, he or she is required to maintain the filing for the mandated period of time. Failure to do so would lead to suspension of licenses in New Mexico and in the state requiring the filing.