“Whenever you move, you are required to update your car insurance company on where the vehicle will be garaged. Since you are no longer living in Arizona, your car insurance should reflect that.
One reason why your insurance rates could have increased is that New Mexico’s state minimum car insurance
requirements are higher than Arizona’s.
If you get into an accident in New Mexico, your insurance company will also 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, as you were knowingly trying to avoid higher rates.
If you can’t afford insurance with your current carrier in New Mexico, look into other options with both regional and major carriers. They may be able to provide you with more affordable coverage.