SR-22 in New Mexico: What You Need to Know

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In New Mexico, after being convicted of a serious driving violation, you do not need your insurer to file an SR-22 form on your behalf; however, all drivers in-state must meet New Mexico’s minimum liability requirements—failure to do so can result in a Notice of Noncompliance, which can lead to both your license and registration being suspended.
If you’ve been deemed a high-risk driver, your car insurance rates will go up—but that doesn’t mean your insurance costs need to be unmanageable.
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New Mexico doesn’t require SR-22 coverage?

Indeed, New Mexico is one of a handful of states that does not require an SR-22 certificate to reinstate your driver’s license after it’s been revoked or suspended due to a serious traffic violation. You’ll still need to provide proof to New Mexico’s Motor Vehicle Division (MVD) that you meet the state’s minimum liability requirements.
All drivers in New Mexico are required to carry liability insurance. The state’s mandated minimum insurance requirements are as follows:
  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $10,000 for property damage coverage per accident
Drivers that fail to provide proof of meeting New Mexico’s mandated liability requirements can merit a Notice of Noncompliance, and your license and registration can be suspended. To get your license reinstated after such a notice, you’ll need to provide proof of insurance and pay a reinstatement fee.
If a New Mexico driver has insurance but, for whatever reason, fails to provide proof of it, that driver will need to get their insurer to inform the MVD to avoid further penalty.
Key Takeaway: Drivers in New Mexico must be able to provide proof of insurance—if not, they risk getting a Notice of Noncompliance and having both their license and registration suspended.

Who needs SR-22 in New Mexico?

Drivers do not need an SR-22 form in New Mexico if their license is suspended. Suspensions are likely to occur if you’ve been convicted of the following severe driving violations:
  • DUI or DWI
  • Driving without insurance
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Moving to a state requiring an SR-22

If you’ve been convicted of a major driving offense in New Mexico, but subsequently had your license reinstated, you may need to get SR-22 coverage if you move to a state that requires it following a severe driving conviction.
In such a scenario, you’ll need to find an insurer in your new state that will file an SR-22 form on your behalf, as your New Mexico insurer won’t do this for you.
Key Takeaway: If you’ve been convicted of a serious driving violation in New Mexico and you’re moving to a new state, make sure you find an insurer in your new state to file an SR-22 form for you.

How a license suspension impacts your insurance in New Mexico

If your license is suspended or revoked in New Mexico, your insurance rate will go up significantly when buying coverage upon reinstatement. Your premiums may remain high for a while, but cleaning up your driving habits and keeping a good driving record will go a long way in decreasing your insurance rate over time.
Even though you’ll be faced with higher premiums upon reinstatement, it's always a good idea to shop around for insurance to find the best rate you can.

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