Will my Out-of-State Auto Insurance be Acceptable in New Mexico?

If you anticipate traveling through New Mexico you will have to contact your independent agent to see what is stated in your policy. You must be cautious, because many policies clearly define that your policy will not cover you anywhere, including Albuquerque, Rio Rancho or Las Cruces, once you cross the Mexico border. You will no doubt have to pay for additional coverage while driving in Mexico.

Another thing that the traveler must do if they anticipate driving through Mexico is to become registered with the Mexico Vehicle Department. It is mandatory for all drivers in Mexico to carry a minimum of liability coverage. Mexico laws state that a driver must have acceptable and minimum liability coverage as follows.

  • A $25,000 bodily injury to the other person on in the event of death
  • At least $50,000 liability for two or more personas
  • At least $10,000 for property damage related to one accident.

You must request that your independent agent contact the Mexico IIDB and provide them with your insurance information. If the Mexico Vehicle Department should send you a noncompliance notice you need to contact your independent agent immediately and tell them to provide your insurance information to the IIDB. If your insurance company fails to comply with this request then the MVD can suspend your vehicle registration.

When you register your vehicle with the Mexico Vehicle Department you will need to take some proof with you, as follows. This is the only acceptable way that you will be able to register your auto in Mexico.

  • A copy of your current insurance policy
  • A verification letter, on an insurance letterhead from your carrier that verifies your coverage
  • A current insurance card by your company
  • You may present a surety bond or a $60,000 cash deposit with the New Mexico Treasurer’s office

If you do not comply with these requirements you could be in violation of Mexico law and be subject to criminal penalties. As an independent agent we can help you comply with the MVD. Give us a call today.