Auto Insurance
BestAuto InsuranceAfter a DUIGetting Car Insurance in New Mexico After a DUI (2023)
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MoneyGeek compared quotes from multiple providers in New Mexico and found that State Farm is your top car insurance option. It offers the best and cheapest car insurance for DUI drivers, whether you want full coverage or a state minimum policy.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
Best full coverage after a DUI - State Farm
Cheapest minimum coverage after a DUI - State Farm
Best full coverage after a DUI - State Farm
Best minimum coverage after a DUI - State Farm
Car insurance companies in New Mexico are private entities and can refuse to cover you if you have a DUI. It’s their legal right, even if all drivers in the state must carry auto insurance.
You can expect significantly higher premiums from providers that do offer car insurance to drivers with DUIs. Having a DUI on your record classifies you as a high-risk driver. A DUI can result in an 87.52% increase in your insurance rates and subjects you to various penalties, such as license revocation, installation of an ignition interlock device and mandatory jail time.
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Cheapest Car Insurance Companies in New Mexico After a DUI
State Farm and Progressive offer the cheapest car insurance for DUI drivers nationally and in New Mexico. The same two companies earned the top spots in our ranking as the best car insurance companies in the state.
Cheapest Companies for Full Coverage in New Mexico After a DUI
MoneyGeek analyzed estimates from multiple companies offering full coverage car insurance after a DUI. The most affordable are:
- State Farm: $1,121 per year
- Progressive: $1,329 per year
Cheapest Car Insurance for Full Coverage After a DUI
Cheapest Companies for Minimum Coverage in New Mexico After a DUI
MoneyGeek also evaluated providers in New Mexico offering state minimum car insurance for DUI drivers. The cheapest rates are from:
- State Farm: $550 per year
- Progressive: $686 per year
State minimum policies are your cheapest car insurance options, especially after a DUI. However, they may not fully protect you in case of an accident. It’s best to assess your coverage needs to see what amount of coverage is your best option.
Cheapest Car Insurance for Minimum Coverage After a DUI
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Policies that meet New Mexico’s minimum car insurance requirements help you save money on premiums while allowing you to operate motor vehicles. However, expenses after an accident can be high, and you may find that minimum coverage doesn’t provide enough protection. You may end up spending more out of pocket, so it’s best to assess how much car insurance you need before deciding on your coverage limits.
Top Car Insurance Companies in New Mexico After a DUI
In addition to cost, MoneyGeek considered customer satisfaction and financial stability to determine the best car insurance companies for DUI drivers in New Mexico.
State Farm and Allstate came out on top. Whether you’re looking for a state minimum policy or one with full coverage, these two are your best options.
Best Companies for Full Coverage in New Mexico After a DUI
MoneyGeek’s analysis found that State Farm and Allstate top the list of the best car insurance companies for DUI drivers in New Mexico. They’re excellent providers of full coverage car insurance.
1
State FarmBest full coverage after a DUI
Score:4.5
Drivers with clean records pay $1,044 per year for full coverage car insurance, but $1,121 if they have a DUI, an increase of 7.30%.
More About State Farm
State Farm is one of the most widely-available providers in the country. You can pay for your premium and file a claim through the company’s website or mobile app. However, while other insurers offer a deductible modification or better car replacement coverage, State Farm does not.
2
State Farm
Score:4.5
Drivers with clean records pay $1,044 per year for full coverage car insurance, but $1,121 if they have a DUI, an increase of 7.30%.
More About State Farm
State Farm is one of the most widely-available providers in the country. You can pay for your premium and file a claim through the company’s website or mobile app. However, while other insurers offer a deductible modification or better car replacement coverage, State Farm does not.
3
Allstate
Score:4
You’ll spend $1,451 per year on average for full coverage car insurance from Allstate if you have a DUI. That’s 35.54% higher than the $1,017 safe drivers pay.
More About Allstate
Allstate offers discounts for bundling policies, having anti-theft devices in your vehicle and opting for paperless billing. However, its complaint ratio is 1.88, meaning Allstate receives more complaints from its customers than other providers.
4
Allstate
Score:4
You’ll spend $1,451 per year on average for full coverage car insurance from Allstate if you have a DUI. That’s 35.54% higher than the $1,017 safe drivers pay.
More About Allstate
Allstate offers discounts for bundling policies, having anti-theft devices in your vehicle and opting for paperless billing. However, its complaint ratio is 1.88, meaning Allstate receives more complaints from its customers than other providers.
Best Companies for Minimum Coverage in New Mexico After a DUI
If you’re looking for affordable coverage, a state minimum policy is an effective way to save on premiums. However, remember that such a policy may not adequately cover your expenses after a crash.
MoneyGeek’s analysis compared quotes from several providers to determine the best car insurance companies for drivers with DUIs who want minimum coverage.
1
State FarmBest minimum coverage after a DUI
Score:4
With State Farm, you’ll spend $550 per year for a minimum policy if you have a DUI on your record. That’s 7.30% higher than the $507 rate for safe drivers.
More About State Farm
State Farm offers excellent customer support. You can conveniently pay bills and file claims online. Although State Farm doesn’t offer any unique coverages, its rideshare insurance is a good option for customers who work for rideshare companies.
2
State Farm
Score:4
With State Farm, you’ll spend $550 per year for a minimum policy if you have a DUI on your record. That’s 7.30% higher than the $507 rate for safe drivers.
More About State Farm
State Farm offers excellent customer support. You can conveniently pay bills and file claims online. Although State Farm doesn’t offer any unique coverages, its rideshare insurance is a good option for customers who work for rideshare companies.
3
Allstate
Score:4
A DUI on your record increases your annual Allstate rate for a minimum policy to $793. That’s 35.54% higher than the $613 premium for safe drivers.
More About Allstate
Allstate offers an early signing discount if you purchase a policy at least seven days before your coverage needs to begin. It also offers discounts for on-time payments. The company, however, receives more complaints than the average auto insurance provider.
4
Allstate
Score:4
A DUI on your record increases your annual Allstate rate for a minimum policy to $793. That’s 35.54% higher than the $613 premium for safe drivers.
More About Allstate
Allstate offers an early signing discount if you purchase a policy at least seven days before your coverage needs to begin. It also offers discounts for on-time payments. The company, however, receives more complaints than the average auto insurance provider.
How Much Does Car Insurance Cost in New Mexico After a DUI?
A DUI on your driving record increases your annual average premium by 87.52% to $2,125, while the average rate for a non-DUI driver is $1,133 per year. You can compare pre-and post-DUI car insurance costs in New Mexico in MoneyGeek’s table below.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$1,133
Average Cost with DUI
Full Coverage
$2,125Full coverage policy premiums after a DUI cost::$992 more
This is 88% more expensive.
A driver with no violations pays $1,133 per year on average for full coverage insurance in New Mexico. Meanwhile, the average cost for the same coverage after a DUI is $2,125 annually. High-risk drivers pay 87.52% more for premiums.
Remember that driving history is only one factor affecting car insurance premiums. Insurers consider other qualifiers like your age and residential location. You can use MoneyGeek’s car insurance calculator to get a customized estimate.
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The financial implications of a DUI in New Mexico go beyond paying higher auto insurance premiums each year and may include:
- Fines, court and attorney’s fees: A first offense may mean a fine of up to $500. You’ll also have to pay for court fees and any legal fees, should you need representation.
- Towing / Impound fees: The state tows your vehicle to the local impound lot after a DUI arrest. You’ll have to pay a fee before your car is released.
- Drug education and treatment: Drivers with a DUI conviction must complete a substance abuse screening and are mandated to follow prescribed treatments, all of which may involve costs.
- DMV reinstatement fee: You may lose your license because of a DUI conviction. The process of having it reinstated requires a separate fee.
Getting Car Insurance in New Mexico After a DUI
Although drivers in New Mexico are required to be insured to drive within the state, insurers may refuse to sell you car insurance after a DUI conviction. Others may reject your renewal. They’re well within their rights to do so because most of them are private entities.
With a look-back period of 55 years, finding car insurance in New Mexico may be challenging. It might be tempting to purchase a policy from the first insurer that provides you a quote, but comparing estimates from several insurers is in your best interest. Even with a DUI, you should go with the insurance company that best meets your needs.
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In most states, you need SR-22 insurance if you have a DUI. It's the most expensive type of insurance available. Fortunately, New Mexico doesn’t require it. However, car insurance for high-risk drivers is still more costly than a standard policy.
MoneyGeek’s guide for high-risk drivers provides the best and cheapest car insurance companies for this driver profile.
New Mexico DUI Laws
The consequences of a DUI conviction aren’t just financial. You may run into legal backlash as well. DUI laws are state-specific, but some common penalties include fines, license suspension, installation of an ignition interlock device (IID) and possible jail time. MoneyGeek details various legal challenges you may encounter with a DUI conviction.
Driving with a BAC at or above 0.08% is considered a DUI
Your blood alcohol concentration (BAC) measures how much alcohol you have in your bloodstream. New Mexico’s DUI Laws prohibit you from operating a motor vehicle if your BAC is 0.08% or above. However, you may still get arrested even with a lower BAC if your driving is impaired. Minors with a BAC of 0.02% or higher can be charged with a DUI.
Driving with a BAC of 0.16% will result in increased penalties
The state charges drivers with a BAC of 0.16% or above with aggravated DUI. Violators must serve at least 48 consecutive hours of jail time for their first offense.
Six months to one year administrative license suspension on the first offense
Your age determines the length of your license suspension. Drivers under 21 lose their license for a year, even if it’s the first offense. Drivers 21 and older receive a six-month license suspension for their first DUI arrest.
Ignition interlocks are mandatory for all convictions.
New Mexico requires ignition interlock devices for all DUI violators.
Ignition interlock licenses allow limited driving privileges.
You can get an ignition interlock license, which allows you to drive vehicles that have IIDs installed.
Open container laws
New Mexico’s Open Container Law complies with federal requirements. Neither drivers nor passengers can have open alcohol containers. A first offense has a $25 fine. Subsequent incidents become misdemeanors, and you may face up to 90 days of jail time on top of a $300 fine.
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Frequently Asked Questions
Finding car insurance for DUI offenders can be challenging. Here are the most commonly asked questions about obtaining car insurance after a DUI offense in New Mexico.
Methodology
To determine the top companies for individuals with DUIs in New Mexico, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
sources
- MVD New Mexico. "DWI Information." Accessed April 25, 2022.
- New Mexico Department of Transportation. "ENDWI — Laws and Penalties." Accessed April 25, 2022.
- NCSL. "Increased Penalties for High Blood Alcohol Content." Accessed April 25, 2022.
- MVD New Mexico. "How to Get an Interlock." Accessed April 26, 2022.
- National Conference of State Legislatures. "Open Container and Consumption Laws." Accessed April 26, 2022.