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Multi-Car Insurance
A multi-car policy puts two or more vehicles on one New Mexico policy, each carrying at least the state's 25/50/10 liability minimum. The multi-car discount applies when all vehicles share the same policy and garaging address, and you choose coverage per vehicle—liability only or full coverage—based on each car's use and value.
Liability Insurance
Liability coverage pays claims when you cause an accident. New Mexico requires 25/50/10 on every vehicle, and on a multi-car policy you can raise the limit on individual cars—your primary vehicle at 100/300/50 and your secondary at the state minimum—without breaking the multi-car discount.
Full Coverage Insurance
Full coverage adds collision and comprehensive to the liability minimum. On a New Mexico multi-car policy, you choose which vehicles carry it—your financed car needs it per the lender, your paid-off second car can stay liability-only—and each vehicle with full coverage has its own deductible.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage when an uninsured driver hits you. New Mexico does not require it, but with 24.1% of drivers uninsured, multi-car households often add it to their primary vehicle or all vehicles on the policy.
