For most drivers in New Mexico, State Farm offers the cheapest car insurance with a DUI, with rates of $44 per month for minimum coverage and $120 per month for full coverage. Progressive, Kemper and Farmers also have affordable rates for those with a DUI conviction.
DUI Car Insurance in New Mexico
Updated: July 13, 2025
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Key Takeaways
In total, the cheapest car insurance with a DUI in New Mexico is offered by State Farm with rates averaging $44 per month.
Depending on your driver profile and coverage level chosen, monthly New Mexico car insurance costs with a DUI can cost approximately $83.
New Mexico doesn’t require SR‑22 after a DUI, but you must maintain minimum liability coverage of $25,000/$50,000/$10,000. PIP coverage is optional under state law.
Cheapest DUI Car Insurance in New Mexico
| State Farm | $44 | $120 |
| Kemper | $52 | $146 |
| Progressive | $69 | $114 |
| Farmers | $80 | $175 |
| Allstate | $102 | $198 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in New Mexico
While the information above covers most drivers, it doesn't represent everyone with a DUI in New Mexico. Below, we've broken down the cheapest companies for those with DUIs by coverage level, age and credit score.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| State Farm | $44 | $533 |
| Kemper | $52 | $619 |
| Progressive | $69 | $829 |
| Farmers | $80 | $964 |
| Allstate | $102 | $1,225 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy New Mexico law for most drivers.
How Much Does DUI Car Insurance Cost in New Mexico?
For most drivers, car insurance with a DUI in New Mexico costs around $993 per year for minimum coverage. However, depending on your unique driver profile and coverage level chosen, the costs can vary by thousands per year. If you have a DUI driving violation, your premiums can increase by an average of 46%.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| $83 | $993 | $26 | $313 | 46% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy New Mexico law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN NEW MEXICO?
In New Mexico, a DUI (DWI) conviction stays on your driving record for a decade, and most insurers use this full 10 years when determining premiums. You also need to make sure to maintain your car insurance.
Additional Costs To Consider When Having a DUI in New Mexico
While it’s well-known that car insurance rates surge after a DUI, many of the additional legal and administrative expenses can easily push your total costs into the thousands.
- Fines and Fees. A first-time DUI (DWI) in New Mexico carries fines of up to $500, with aggravated or repeat offenses bringing significantly higher penalties; felony DWIs may incur fines exceeding $1,000. Court costs, probation fees, and required diversion programs can further increase your financial burden.
- Towing and Impound Fees. After a DUI arrest, your vehicle is likely to be towed. Typical tow charges range from $250 to $450, and impound lots often add daily storage fees of $15 to $25 until you redeem your vehicle.
- Education, Treatment & Ignition Interlock. All DWI convictions require completion of a state-approved DWI prevention program (e.g., "None for the Road"). This screening and class can run $200 to $500, while court-ordered chemical dependency treatment can cost $500+. An ignition interlock device (IID) must be installed for at least six months, typically costing $1,200 to $3,000/year, including installation, monitoring, and rental. Some offenders may need to maintain IID use longer.
- DMV Reinstatement Fee and SR‑22. Restoring your driver's license requires a $100 reinstatement fee and obtaining an SR‑22 certificate (proof of insurance) filed with the Motor Vehicle Division. The SR‑22 must remain active for three years; any lapse can trigger reinstatement delays and additional penalties.
- Attorney Fees and Crash Costs. Legal representation for a DUI case typically costs $2,000–$5,000, and if a crash occurred, you’re responsible for vehicle damage, medical expenses, restitution, and possibly increased probation fees, potentially totaling $10,000+ depending on severity.
New Mexico DUI Car Insurance Requirements
After a DUI in New Mexico, drivers must maintain the state minimum liability insurance limits of $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage. While PIP isn’t required, adding uninsured/underinsured motorist coverage is wise to protect against costly out-of-pocket expenses.
Other New Mexico DUI Laws to Know
In New Mexico, a variety of penalties and legal requirements apply, including increased insurance demands:
Fines
A first-time DWI is considered a misdemeanor with civil fines up to $500 and approximately $200 in court fees. More serious offenses, such as aggravated DWI, repeat convictions, or injuries resulting from the offense, can lead to higher fines of up to $5,000, plus added court and probation fees. Mandatory jail time and higher penalties apply in cases involving multiple offenses or substantial impairment (e.g., BAC over .16).
Imprisonment and release
For a first DWI, you may serve up to 90 days in jail, accompanied by community service, and you’re required to complete DWI education. Second or third offenses can result in nearly a year behind bars, mandatory consecutive jail terms, probation lasting up to five years, and participation in inpatient or outpatient treatment programs.
Felony-level fourth and subsequent DWIs carry extensive prison sentences (up to 30 months) and fines reaching $5,000, with mandatory interlock license and program participation.
Impounding of vehicles
Evaluation and impoundment of your vehicle are permitted after DWI arrests, with counties deciding the specifics. In Albuquerque and other locales, police may tow and impound the vehicle if no sober driver is available, and vehicles can even be subject to civil forfeiture under certain repeat-offender or revoked-license conditions.
Suspension Periods
Under New Mexico’s implied consent law, refusing or failing a chemical test results in license revocation, six months for first offenders, and one year for subsequent incidents. Criminal courts may also revoke your license for one year for a first DWI, two years for a second, three years for a third, and a lifetime suspension for a fourth or additional convictions.
All DWI offenders must also install an ignition interlock device for a minimum duration—one year for first offenses, two for second offenses, and three years for third or more. To reinstate your license after revocation, you must hold the interlock license for at least six straight months without violations.
DUI education requirements
Every offender must complete a screening and a court-approved DWI education program. First-time offenders attend a 10-hour class, including victim impact and community service. Repeat offenders are subject to more extensive substance abuse treatment along with probation terms up to five years. Life-long interlock device installation is enforced for those convicted four or more times.
How to Get the Best Cheap New Mexico Car Insurance With a DUI
If you’ve been convicted of a DUI in New Mexico, finding affordable car insurance can be difficult. Here are several strategies to help lower your costs and secure the coverage you need, along with what to do if standard insurers turn you down.
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Understand your needs
After a DUI, New Mexico drivers face higher liability requirements, but that doesn’t mean you shouldn’t assess what additional protection you may still want. Your budget, location, and driving patterns should all factor into decisions about optional coverages. We also provide an auto insurance coverage needs calculator to help you begin.
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Research costs and discounts
Learn what insurance typically costs for drivers with your background in New Mexico so you don’t go in blind. Although DUI-specific discounts don’t exist, you can still reduce your rate with common savings. New Mexico also offers defensive driving programs that can cost under $30 and may earn you up to a 10% premium discount.
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Compare multiple providers
Even with a DUI, you’re not stuck with your first offer. Shop around and request quotes from several providers.
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Use state high-risk car insurance programs if denied
If standard insurers decline your application, you can turn to New Mexico’s assigned risk plan through the New Mexico Automobile Insurance Plan (NMAIP). This program helps high-risk drivers get access to basic coverage through approved carriers.
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Make lifestyle or vehicle changes
Improving your credit score can significantly lower your premium, especially if you have a DUI on record. In New Mexico, someone with poor credit may pay more annually for the same basic policy than someone with good credit. Also, insuring a cheaper vehicle can help reduce costs.
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Consider non-traditional coverage types
If you don’t drive much, a pay-per-mile insurance plan might offer big savings. Additionally, usage-based programs can track your driving habits and reward safe behavior with discounts of up to 40%.
Cheap DUI Insurance in New Mexico: Bottom Line
Overall, we found that State Farm, Progressive and Kemper are the cheapest car insurance providers for New Mexico drivers with a DUI. While this is what our research found, we still recommend that you compare rates for yourself, research costs, and decide what coverage you need.
DUI Insurance in New Mexico: FAQ
Below, we've provided MoneyGeek's expert answers to frequently asked questions about New Mexico DUI insurance.
Who has the cheapest car insurance for New Mexico drivers with a DUI?
For those with a DUI and a goo credit, State Farm offers the cheapest overall rates in New Mexico for minimum coverage. However, if you have bad credit, Kemper offer better rates.
How much does a DUI increase rates in New Mexico?
Overall a DUI can increase your rates by around 46% for minimum coverage and 42% for full coverage compared to those without a DUI.
How much does DUI car insurance in New Mexico cost?
For minimum coverage, the average cost is $83 monthly and for full coverage it is $179 per month.
How We Chose the Cheapest Car Insurance for New Mexico's DUI Drivers
To determine the top companies for drivers with DUIs in New Mexico, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AIPSO. "New Mexico Automobile Insurance Plan (NMAIP) ." Accessed June 26, 2025.