Penalties for Not having Car Insurance in New Mexico

Having no proof of insurance can result in penalties!!!

  • If a police officer stops you and you simply don’t have the proof of auto insurance at the time, bring proof that you had valid insurance on the day of the traffic stop to the courthouse, and you may be able to get your entire fee waived.
  • If you are actually driving around without insurance at the time, you are now facing misdemeanor or even criminal charges, which could result in fines of $300 or more.
  • You can even lose your vehicle’s registration!

How they Monitor You

Using the New Mexico Insurance Identification Database (IIDB), insurance companies notify the state whether or not you have insurance. If you let insurance drop, the company will input this into the database. If the state gets a notice that you dropped your insurance, the state will send you a letter telling you that you need to get insurance or provide them with proof that you already have insurance.