How common is it for people to not have car insurance?

Is driving without car insurance common? I thought it was against the law in New Mexico, but I know people who drive without insurance.

Answer provided by
Emily Maracle
Answered on Jul 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“New Mexico has some of the highest rates of uninsured drivers in the United States. About 22% of drivers in New Mexico are uninsured. For comparison, the national average of uninsured drivers is about 13%.
Since it is fairly common for drivers to be uninsured in New Mexico, it is important to have the proper car insurance coverage on your policy.
To protect yourself from an uninsured driver, you should add uninsured motorist coverage and property damage to your policy. With uninsured motorist and property damage coverage, your insurance will cover your injuries or property damage if an uninsured driver is at fault in an accident.
Uninsured motorist coverage isn’t a state minimum car insurance requirement, so you’ll need to reach out to your insurance company to add it to your policy.”

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