New Mexico DMV Drivers Practice Test 2025 – 400 Free Practice Questions to Pass the Exam

In New Mexico, the law mandates that drivers must carry liability insurance as a minimum requirement to legally operate a vehicle. Liability insurance is designed to cover damages or injuries that you may cause to another person or their property in the event of an accident for which you are at fault. This type of insurance protects other drivers, passengers, and pedestrians and is essential for ensuring that victims of an accident can be compensated for their losses.

Minimum liability coverage in New Mexico consists of specific coverage limits that must be met, ensuring that all drivers contribute to road safety and accountability. While comprehensive insurance and collision insurance provide additional protection for your own vehicle, they are not legally required. Uninsured motorist coverage, while highly recommended to protect against accidents with uninsured drivers, is also not mandatory. Therefore, liability insurance is the essential coverage that aligns with the state's requirements for lawful driving on public roads.