Liability insurance minimums — New Mexico Permit Test

Liability insurance minimums on the New Mexico permit test — 3 rules, each with the reason behind it and a question on it while it is fresh.

The rules

New Mexico's minimum liability coverage is $25,000 for bodily injury to or death of one person in any one accident.

One badly hurt person can run up huge hospital bills, and this is the least your policy must pay.

$25,000 Bodily injury to or death of one person in any on accident.
New Mexico Driver Manual, p.35

New Mexico's minimum liability coverage is $50,000 for bodily injury to or death of two or more persons in any one accident.

When several people are hurt in one crash, the bills add up, so the minimum is higher.

$50,000 Bodily injury to or death of two or more persons in any one accident.
New Mexico Driver Manual, p.35

New Mexico's minimum liability coverage is $10,000 for injury to or destruction of property of others in any one accident.

Hitting someone's car or fence costs money to fix, and your policy must cover at least this much.

$10,000 Injury to or destruction of property of others in any one accident.
New Mexico Driver Manual, p.35

On the test

What is New Mexico's minimum coverage for injury to or death of one person in one accident?

$25,000. One badly hurt person can run up huge hospital bills, and this is the least your policy must pay. New Mexico Driver Manual, p.35: “$25,000 Bodily injury to or death of one person in any on accident.”

How this works

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Where these come from

Every rule here is checked against New Mexico Driver Manual, published by the New Mexico Taxation and Revenue Department, and against the state code itself. Last checked 2026-10-04.