Penalties for No Proof of Insurance in New Mexico

Caught Driving Without Car Insurance
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A driver must provide proof of insurance before his or her vehicle can be registered and issued tags.  Insurance information is input into the state's Insurance Identification Database (IIDB). Insurance companies are required to update the IIDB whenever a policy is cancelled or revoked. Once that happens, the DMV will send the vehicle owner a Verification of Mandatory Vehicle Insurance letter which mandates that the owner provide the DMV with proof of insurance within 30 days.

Failure to provide such proof will result in the suspension of the vehicle's registration, and the owner must return the vehicle's registration and plates to the DMV within ten days of the Notice of Registration Suspension. Failure to return the registration and tags can result in additional penalties, including criminal ones.

To reinstate a vehicle's registration after suspension, the owner must provide adequate proof of insurance and pay a $30 fee. Once the proof of insurance has been received by the IIDB and the fee paid, a driver can expect to have his registration reinstated within approximately 24 hours.

Driving in New Mexico Without Proper Insurance Coverage

If you are caught driving in New Mexico without insurance, you can be fined up to $300, imprisoned for up to 90 days, or both. Your license, if not already suspended, will be.

Remember, having adequate vehicle insurance is a must, not simply because it is mandated by law, but because getting into an accident without it could be disastrous.

And that goes no matter where you live, New Mexico or anywhere else. 

Just in case you're thinking about it...Reasons to Not Print a Fake Auto Insurance Card