New Mexico Teen Driver Insurance for Parents
New Mexico requires 25/50/10 liability coverage and is an at-fault state.
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New Mexico at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New Mexico
The state operates a three-stage graduated licensing system: learner's permit at age 15, intermediate license at 15½ (with passenger and nighttime restrictions until age 18), and full unrestricted license at 18. New Mexico law mandates that all insurers offer a good student discount to drivers under 25 who maintain a B average or better, making it one of the most accessible teen driver discounts in the state.
Liability Insurance
Collision Coverage
Comprehensive Coverage
Uninsured/Underinsured Motorist Coverage
Full Coverage
What Drivers Pay in New Mexico
$224–$371/mo
Typical monthly rate in New Mexico, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
midnight-5am
Passengers
no more than 1 passenger younger than 21
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance for Teen Drivers
Liability coverage pays for injuries and property damage the teen driver causes to others. New Mexico requires 25/50/10 minimums, but this leaves parents' assets exposed if the teen causes a serious accident.
Collision Coverage for Teen Vehicles
Collision coverage pays to repair or replace the teen's vehicle after an at-fault accident, regardless of who caused the crash. It's required by lenders if the car is financed.
Comprehensive Coverage for Theft and Damage
Comprehensive coverage pays for non-collision damage: theft, vandalism, hail, glass breakage, and animal strikes. It's required by lenders if the vehicle is financed.
Uninsured Motorist Coverage
Uninsured/underinsured motorist (UM/UIM) coverage protects your family if the teen is hit by a driver with no insurance or insufficient coverage to pay for injuries and vehicle damage.
Good Student Discount (Mandated)
New Mexico law requires all insurers to offer a good student discount to drivers under 25 who maintain a B average or better, making it one of the most accessible and valuable teen driver discounts available.
Telematics Programs for Safe Driving
Telematics programs (also called usage-based insurance) use a mobile app or plug-in device to monitor the teen's driving habits—braking, speed, nighttime driving, and phone use—and offer discounts for safe behavior.