- Does a DWI raise car insurance rates in New Mexico?
- How much does a DWI raise your insurance in New Mexico?
- If someone gets a DWI in your car, does it go on your insurance?
- How long does a DWI affect your insurance in New Mexico?
- How much does a DWI raise insurance by age group?
- How much does a DWI raise your insurance in your city?
- How to get car insurance after a DWI in New Mexico
- New Mexico DWI insurance requirements and penalties
- How long after a DWI does your insurance go down?
- Tips to save money after a DWI
- Methodology
- New Mexico DWI insurance: Frequently asked questions
- Compare New Mexico DUI car insurance rates with other states
Does a DWI raise car insurance rates in New Mexico?
With a clean driving history, car insurance in New Mexico averages $2,049. After a DWI, the rate increases to $3,242, which is $1,193 more.
Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple DWIs, average rates escalate drastically to $4,399.
How much does a DWI raise your insurance in New Mexico?
The cheapest insurer after a DWI is State Farm, with average premiums of $1,788. The next most affordable option is Progressive, where rates are $56 higher than those of State Farm. GEICO offers the third-lowest car insurance rates for drivers with a DWI.
Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DWI differently and sets its own rates, so it's important to compare quotes from multiple companies.
This table displays average car insurance rates for a driver with a DWI in New Mexico.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $1,669 | $1,788 | $1,788 |
| Progressive | $1,557 | $1,844 | $2,684 |
| GEICO | $1,406 | $2,996 | $3,760 |
| Allstate | $2,834 | $3,924 | $5,579 |
| Nationwide | $1,806 | $4,027 | $6,160 |
| Kemper | $3,268 | $4,029 | $4,461 |
| Iowa Farm Bureau | $2,912 | $4,746 | $6,364 |
| Farmers | $2,740 | $5,021 | $7,668 |
| USAA | $1,054 | $2,093 | $2,589 |
PEOPLE ASK:
What happens when you get a DUI in New Mexico?
If you're convicted of a DUI in New Mexico, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DWI will stay on your record for seven years.
If someone gets a DWI in your car, does it go on your insurance?
In most situations, insurance follows the vehicle rather than the driver, so your auto insurance rates won't increase because the DWI will not show up on your driving record.
However, your rates may increase if your vehicle is involved in an accident due to a DWI. Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.
How long does a DWI affect your insurance in New Mexico?
While a DWI may remain on your driving record forever, it doesn't affect rates forever. A DWI affects New Mexico car insurance and stays on your record for seven years. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DWI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DWI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DWI is $4,638.
Here are the most affordable insurers after a DWI by age:
- For teens: State Farm offers the lowest rate at $4,638.
- For young adults: State Farm provides the cheapest coverage for young adults at $2,126.
- For adults: State Farm is the most affordable option, with an average rate of $1,788.
- For seniors: State Farm offers the lowest average rate at $1,631.
This table illustrates how a DWI impacts car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $4,274 | $4,638 | $364 | 9% |
| Progressive | $5,031 | $5,271 | $240 | 5% |
| Nationwide | $5,493 | $7,508 | $2,015 | 37% |
| GEICO | $3,692 | $7,954 | $4,262 | 115% |
| Iowa Farm Bureau | $4,493 | $8,654 | $4,161 | 93% |
| Allstate | $8,170 | $11,895 | $3,725 | 46% |
| Kemper | $11,587 | $12,506 | $919 | 8% |
| Farmers | $11,158 | $18,139 | $6,981 | 63% |
| State Farm | $4,274 | $4,638 | $364 | 9% |
| Progressive | $5,031 | $5,271 | $240 | 5% |
| Nationwide | $5,493 | $7,508 | $2,015 | 37% |
| GEICO | $3,692 | $7,954 | $4,262 | 115% |
| Iowa Farm Bureau | $4,493 | $8,654 | $4,161 | 93% |
| Allstate | $8,170 | $11,895 | $3,725 | 46% |
| Kemper | $11,587 | $12,506 | $919 | 8% |
| Farmers | $11,158 | $18,139 | $6,981 | 63% |
| USAA | $2,468 | $3,994 | $1,526 | 62% |
| USAA | $2,468 | $3,994 | $1,526 | 62% |
How much does a DWI raise your insurance in your city?
The least expensive city in New Mexico for car insurance after a DWI is Farmington, while the costliest city is Bernalillo, with an average rate of $3,530. Your location influences your insurance costs, even without a DWI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A DWI then raises those already elevated rates even more.
This table shows the average car insurance rates after a DWI by city. Comparing rates in both large cities and rural areas can help you see how your location affects your premiums.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Albuquerque | $2,231 | $3,515 | $1,284 | 58% |
| Bernalillo | $2,210 | $3,530 | $1,320 | 60% |
| Corrales | $2,096 | $3,336 | $1,240 | 59% |
| Cuba | $1,939 | $3,103 | $1,164 | 60% |
| Farmington | $1,829 | $2,945 | $1,116 | 61% |
| Fort Bayard | $1,860 | $2,978 | $1,118 | 60% |
| Gallup | $1,914 | $3,068 | $1,154 | 60% |
| Jal | $2,192 | $3,489 | $1,297 | 59% |
| Las Cruces | $1,894 | $3,036 | $1,142 | 60% |
| Roy | $2,133 | $3,406 | $1,273 | 60% |
| Ruidoso | $2,069 | $3,266 | $1,197 | 58% |
| Albuquerque | $2,231 | $3,515 | $1,284 | 58% |
| Bernalillo | $2,210 | $3,530 | $1,320 | 60% |
| Corrales | $2,096 | $3,336 | $1,240 | 59% |
| Cuba | $1,939 | $3,103 | $1,164 | 60% |
| Farmington | $1,829 | $2,945 | $1,116 | 61% |
| Fort Bayard | $1,860 | $2,978 | $1,118 | 60% |
| Gallup | $1,914 | $3,068 | $1,154 | 60% |
| Jal | $2,192 | $3,489 | $1,297 | 59% |
| Las Cruces | $1,894 | $3,036 | $1,142 | 60% |
| Roy | $2,133 | $3,406 | $1,273 | 60% |
| Ruidoso | $2,069 | $3,266 | $1,197 | 58% |
How to get car insurance after a DWI in New Mexico
Insurers will label you as a high-risk driver after a DWI, but that doesn't mean you can't get car insurance. Finding the best fit after a DWI conviction may require a little work.
If you have car insurance and get a DWI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a DWI or want the lowest available rates, be sure to compare multiple companies. Request quotes from various insurers to identify the most affordable choice in New Mexico, since each company determines its own rates after a DWI.
New Mexico DWI insurance requirements and penalties
A DWI in New Mexico means you must meet specific requirements for high-risk drivers. In New Mexico, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.
A DWI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates New Mexico DWI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.16 (with mandatory jail on all offenses) | Under 21: 1 year | Immediately with ignition interlock | Mandatory for all convictions | Yes | Yes |
| 0.16 (with mandatory jail on all offenses) | Under 21: 1 year | Immediately with ignition interlock | Mandatory for all convictions | Yes | Yes |
*BAC is blood alcohol concentration
How long after a DWI does your insurance go down?
A DWI affects car insurance rates for at least three years, although the timeframe varies by state. In some states, like California, a DWI can impact your premiums for as long as 10 years.
In New Mexico, drivers can expect higher car insurance rates after a DWI and expect it to stay on their record for seven years.
Tips to save money after a DWI
A DWI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a DWI.
Ways New Mexico drivers can save on car insurance after a DWI include:
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- One and two DWI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
New Mexico DWI insurance: Frequently asked questions
How far back do insurance companies look for a DWI?
DWIs can stay on your driving record for up to 10 years, depending on your state. Typically, a DWI stops affecting car insurance rates in three to five years.
Will my insurance drop me after a DWI in New Mexico?
Most insurers won't drop you after one DWI, but rates will increase significantly. However, multiple DWIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Compare New Mexico DUI car insurance rates with other states
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