Motorcycle Insurance in New Mexico

Cruising through the Land of Enchantment on two wheels? Make sure you're protected with New Mexico motorcycle insurance that fits your ride and your lifestyle. GEICO offers reliable, affordable motorcycle coverage for riders across the state, whether you're exploring the open desert roads or heading up into the mountains. With flexible options, great rates, and a fast, easy claims process, GEICO helps you ride with confidence from Santa Fe to Las Cruces and everywhere in between.

Is Motorcycle Insurance Required in New Mexico?

Yes, motorcycle insurance is required in New Mexico for all riders. You’ll need to show proof of insurance when registering your bike with the MVD. Riding without insurance can lead to serious penalties, including fines, license suspension, and even having your motorcycle registration revoked, so it’s important to stay covered and compliant.

Minimum Motorcycle Insurance Coverage Requirements in New Mexico

Like many other states, New Mexico requires motorcyclists to have a minimum amount of liability insurance to protect themselves and others on the road.

Coverage Type What It Covers New Mexico Minimum Limits
Bodily Injury Liability Injuries you cause to others in an accident $25,000 per person / $50,000 per accident
Property Damage Liability Property damage you cause $10,000 per accident

Optional Motorcycle Insurance Coverages in New Mexico

State-mandated minimums are a good place to start, but they don’t always offer enough protection. Many riders add optional coverages like the following for extra peace of mind.

  • Collision Coverage: Pays to repair or replace your motorcycle if it's damaged in an accident, regardless of who’s at fault.
  • Comprehensive Coverage: Covers damage to your bike caused by events like theft, fire, vandalism, or weather.
  • Uninsured/Underinsured Motorist Coverage: Helps cover your medical bills or bike damage if you're hit by a driver who doesn’t have enough (or any) insurance.
  • Emergency Roadside Service: Includes towing, flat tire help, and other roadside services.
  • Custom Parts or Equipment: Includes up to $2,000 of coverage for customizations, aftermarket parts, and accessories added to your motorcycle.

How Much Does Motorcycle Insurance Cost in New Mexico?

The cost of New Mexico motorcycle insurance depends on things like your driving history, bike type, and how often you ride. Where you live in the state can also impact your rate, along with the coverage options and limits you choose. GEICO offers personalized, affordable motorcycle insurance and motorcycle insurance payment plans to bikers in New Mexico and beyond to help them get the coverage they deserve without breaking the bank.

Discounts on Motorcycle Insurance in New Mexico

Looking for ways to save on coverage? GEICO offers many motorcycle insurance discounts, so you can get the protection you need at a price you can afford.

  • Motorcycle policy transfer: Up to 10% discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
  • Multiple motorcycles: Up to 10% discount if you insure more than one motorcycle.
  • Mature riders: Up to 10% discount for mature riders.
  • Insurance renewal: Up to 10% discount when you renew your motorcycle insurance with GEICO® Motorcycle.
  • Safety course: Up to 10% discount for completing a Motorcycle Safety Foundation or Military Safety Course.
  • Instructors: Up to 20% discount if you are a current Motorcycle Safety Foundation instructor.

Why Choose GEICO for Motorcycle Insurance in New Mexico?

GEICO is trusted by thousands of riders across the country—and for good reason. We offer New Mexico motorcycle insurance that’s built for real life, with coverage options that protect everything from cruisers and sport bikes to touring motorcycles and custom rides. Whether you’re taking a scenic trip through the Gila National Forest or commuting through Albuquerque, we’ve got flexible coverage that fits your needs.

You’ll also get access to a fast, hassle-free claims process and top-rated customer support. With the GEICO Mobile app, it’s easy to manage your policy, access digital ID cards, request roadside assistance, and file claims on the go. We’re here to help you get the most out of your ride, with reliable protection and tools that keep you moving.

Get a Free Motorcycle Insurance Quote in New Mexico

Ready to protect your ride in the Land of Enchantment? Get a fast, free New Mexico motorcycle insurance quote from GEICO, contact us for personalized guidance, or visit our motorcycle insurance FAQs page for more information.

Motorcycle Insurance in New Mexico FAQs

  • Can I bundle motorcycle and auto insurance in New Mexico?

    Yes! GEICO allows you to bundle your motorcycle and auto insurance in New Mexico. Doing so simplifies policy management and could unlock a multi-policy discount.

  • Does New Mexico have a helmet law for motorcycle riders?

    Yes, motorcycle riders and passengers under 18 are legally required to wear a DOT-approved helmet in New Mexico. People over 18 are not required to wear a helmet, but it’s always a smart idea to wear proper safety gear on the road.

  • Do I need a motorcycle license or endorsement in New Mexico?

    To legally ride in New Mexico, you must have a Class M or Class MD motorcycle license or add a motorcycle endorsement to your current driver’s license. You’ll need to pass both written and skills tests, or complete the MSF Basic RiderCourse to earn your license.

  • Does taking a motorcycle safety course lower my insurance in New Mexico?

    It can! New Mexico riders who complete a Motorcycle Safety Foundation or other approved training course may qualify for a GEICO safety course discount.