Santa Fe, NM Car Insurance

Protect yourself against risks on New Mexico roads with Santa Fe car insurance.

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Find the Auto Coverage You Need in Santa Fe

Santa Fe is the fourth largest city in New Mexico, a state that ranks sixth for the worst drivers in the United States. Between 2017 and 2021, the city of Santa Fe ranked third statewide for total crashes, with a rate of 20.1 crashes per 1,000 city residents in 2021.

Drivers in Santa Fe can encounter hazards on surface-level roads and intersections. The south-side intersection between Cerrillos Road, Airport Road and Rodeo Road was the location of 110 crashes between 2019 and 2021. A total of 5,532 crashes occurred near intersections in the city during this three-year period and resulted in 25 traffic fatalities.

Residents of Santa Fe have the option to use public transit, including Santa Fe Trails bus routes and the New Mexico Rail Runner Express commuter rail. Driving is the most convenient way to navigate northern New Mexico, but you will need to meet statewide liability insurance requirements.

Get Quotes for Santa Fe Car Insurance

VIU by HUB is the best way to find car insurance coverage in Santa Fe. Let us know a bit about yourself, your driving record and your vehicle to get quotes from multiple insurers. You can choose from liability-only, collision or comprehensive auto insurance policies that provide the coverage you need.

Auto Insurance Requirements in New Mexico

There are nearly 1.5 million licensed drivers in New Mexico, all of whom must have liability coverage with the minimum mandated limits under state law. New Mexico is an at-fault state. Find out more about the requirements for Santa Fe car insurance:

Injury or death of one person:Drivers in New Mexico must carry at least $25,000 in liability coverage for causing bodily injury to one person or one fatality in an accident.
Injury or death of two or more persons:Every insurance policy in New Mexico must include at least $50,000 in liability coverage for accidents that results in bodily injuries to two or more people or more than one fatality.
Property damage per accident:The minimum liability limit for property damage in New Mexico is $10,000.

You should select a policy that meets or exceeds these liability limits. A policy that has higher limits can provide more protection against financial responsibility in the event of an accident in which liability expenses exceed these low limits. Once you get coverage, ask your provider to report your insurance to the New Mexico Insurance Identification Database.

The Average Cost of Santa Fe Car Insurance

The average annual premium for auto insurance in Santa Fe is $1,593. This rate is higher than the average for most cities in New Mexico with a few exceptions, such as Albuquerque and Rio Rancho. Traffic density and property crime rates factor into local averages. Your age, gender, marital status, credit score, driving record and the make and model of your vehicle can also affect your policy costs.

Optional Coverage for Santa Fe Drivers

New Mexican drivers have the option to get additional coverage above and beyond minimum liability limits. You should be aware that liability-only policies do not cover the cost of damage to your vehicle. Here are a few of the most popular auto insurance policy options for drivers in Santa Fe:

Collision policies
Comprehensive coverage
Higher liability limits
Electronics coverage
Auto glass coverage

VIU by HUB can provide quotes for any level of Santa Fe car insurance. We make it easy for you to compare the cost of liability-only, collision or comprehensive policies and options for custom coverage.

This information is intended for general informational purposes only and is not intended to constitute legal advice.