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Do I need to switch my car insurance after moving to New Mexico?
I recently moved from Arizona to New Mexico. I looked into rates when I moved and they were double what I was paying in Arizona. I decided to keep my insurance in Arizona to avoid the increase.
Am I required to switch my car insurance to New Mexico? I don't have any expenses that would imply I live here beyond a renters insurance policy.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Whenever you move, you are required to update your car insurance company on where the vehicle will be garaged. Since you are now living in New Mexico, you'll need a
New Mexico car insurance policy
.One reason why your insurance rates could have increased is that
New Mexico’s minimum car insurance requirements
are higher than Arizona’s. The state requires:- $50,000 bodily injury liability per accident
If you get into an accident in New Mexico, your insurance company will want to know why you were out of state. If they find out that you are no longer living in Arizona, they could deny your claim. They may also consider it insurance fraud since you were knowingly trying to avoid higher rates.
If you can’t afford insurance with your current insurer in New Mexico, look into other options with both regional and major carriers. They may be able to provide you with more affordable coverage. Use
Jerry
to compare rates quickly and without any hassles.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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