New Mexico Independent Agents

New Mexico Insurance All Your Needs in One Place

Get help from one of our New Mexico independent agents

They understand your risks and will find you the coverage you need.

Most Popular Insurance Coverages in New Mexico

Home Insurance

The coverage you need to protect your home and everything in it.

Auto Insurance

The right protection for you, your car, and others on the road.

Business Insurance

Broad protection that covers you, your employees, and customers.

Workers' Compensation

Valuable employee coverage for work-related injuries and illnesses.

Why Choose an Independent Insurance Agent in New Mexico?

Frequently Asked Questions about Insurance in New Mexico

Finding the best insurance companies in New Mexico doesn't have to take long, especially when you start with our top five choices for New Mexico insurance. These New Mexico insurance companies go the extra mile to bring you the right insurance for your needs.

  • Travelers: Travelers, with its highest possible rating for financial strength of "A++" by AM Best, has been around since 1864. Both personal and business products are available. The insurance company offers commercial auto insurance, home insurance, condo insurance, snowmobile insurance, RV insurance, workers' comp, and cyber liability insurance. 
  • Acuity Insurance: Acuity Insurance has a superior rating of "A+" by AM Best for financial strength, and has been around since 1925.  Both personal and business products are available. The insurance company's coverage catalog includes boat insurance, commercial property insurance, renters insurance, condo insurance, and umbrella insurance. 
  • Nationwide: Nationwide, with a superior "A+" rating from both AM Best for financial strength and just overall by the Better Business Bureau (BBB), has also been around since 1925. Both business and personal products are available. Nationwide offers life insurance, specialty products, auto insurance, flood insurance, and property insurance. 
  • The Hanover: The Hanover has an excellent "A" rating by AM Best for its financial strength and an "A+" overall by the BBB. It has been around since 1852. Both personal and business products are available. The carrier offers umbrella insurance, auto insurance, condo insurance, home business insurance, commercial auto insurance, commercial property insurance, and much more.
  • Progressive: Progressive has a superior "A+" rating by AM Best for financial strength, and has been around since 1937. Both business and personal coverages are available. The carrier's extensive catalog includes home insurance, flood insurance, boat insurance, auto insurance, business insurance, commercial auto insurance, professional liability insurance, etc.

New Mexico does provide Medicaid coverage, and there are a few specific requirements to qualify for it. Applicants must first be residents of New Mexico as well as US citizens, permanent residents, or legal aliens. Only low-income or very-low-income residents may apply for coverage. Other requirements for New Mexico Medicaid are that you must be either responsible for a child that's 18 or younger, blind, pregnant, a senior citizen of age 65 or older, or have a disability or a family member with a disability in your household.

No, the state of New Mexico doesn't require residents to have health insurance. Health insurance is no longer required at a federal level. Since the Affordable Care Act's mandate for US residents to pay a tax penalty if they lacked health insurance was repealed in 2019, health insurance is only required by state law in California, Massachusetts, New Jersey, Vermont, California, and Rhode Island. 

New Mexico homeowners insurance includes the same basic coverages as policies across the nation. However, a homeowner may need to add more coverage and further customize their policy.

The standard home insurance coverages in New Mexico are:

  • Structural coverage: Covers the costs of repairs or rebuilding the home's structure if it gets damaged by fire, vandalism, or other covered perils.
  • Personal liability coverage: This covers the costs of lawsuits if you get sued by a third party for claims of bodily injury or personal property damage.
  • Additional living expenses coverage: Covers extra costs if you must live elsewhere while awaiting home repairs to be completed after a covered disaster like a fire.
  • Personal property coverage: Covers costs of replacement or repair to your personal belongings like furniture if they get stolen, lost, damaged, or destroyed by a fire, etc.

Talk to a local independent insurance agent to get the home insurance coverage you need.


New Mexico residents pay a bit less than the current national average per year for their car insurance. Car insurance in New Mexico costs an average of $1,237 per year, compared to the $1,311 nationwide average. A local independent insurance agent can help you find the exact coverage you need.

Workers' compensation in New Mexico is required for businesses with at least three employees. If a business provides this coverage, its employees cannot sue for workplace incidents that result in injury, illness, or death. In return, workers' comp covers the costs of medical treatment, rehabilitation, etc., for employees who get injured or ill because of their job or work environment.

If you need workers' comp for your business, an independent insurance agent in New Mexico can help you find the coverage you need.

Restaurant insurance in New Mexico includes the basics of a business insurance policy and then gets topped off with specific coverages needed in the food industry. These special coverages for restaurants are:

  • Spoilage coverage: Covers costs of food and other inventory that spoils after a covered disaster like an extended power outage.
  • Equipment breakdown insurance: Covers costs of repairs or replacement to boilers and other large appliances if it gets damaged or destroyed by a covered disaster like a fire.

There are a lot of options available for restaurant insurance. A local independent insurance agent can help you find what you need.

Commercial vehicle insurance in New Mexico covers incidents involving company vehicles, or vehicles used for business purposes. Disasters can include physical damage after a collision, vandalism, windshield breaks, fire damage, liability (if the driver gets sued), and more. 

An independent insurance agent can help you find coverage for your vehicle or fleet in New Mexico.

Business insurance in New Mexico protects businesses against many common disasters. New Mexico businesses need the right protection against property damage, theft, cyber threats, and more. Without insurance, a business could have to pay for these losses out of pocket. Just one major incident could lead to bankruptcy if a business lacks insurance.

An independent insurance agent can help you find the business coverage you need.

Umbrella insurance in New Mexico covers excess liability. An umbrella policy essentially stacks on top of an existing policy, like homeowners or commercial auto insurance, to extend its liability coverage limits. Umbrella policies include liability coverage in increments of $1 million. Having umbrella insurance can help you cover large lawsuits that would otherwise exhaust your current liability coverage.

If you want the extra coverage that umbrella insurance can offer you, talk to an independent insurance agent today.

Renters insurance in New Mexico isn't required by state law. However, this coverage is often required by landlords before you're able to sign a lease. Renters insurance helps protect both the tenant and the landlord against many different disasters, including fire, vandalism, and more.

Whether you want renters insurance for your own peace of mind or it is required by your landlord, you can find coverage through an independent insurance agent.

Life insurance in New Mexico is critical to help surviving spouses and family members receive the financial support they need after the policyholder passes away. New Mexico offers term life insurance, whole life insurance, and universal life insurance. The death benefit payout from a life insurance policy can be used for a number of purposes, including a dependant's education costs, a surviving spouse's normal cost of living, and more.

If you are interested in life insurance, it is best not to delay. You can find a good plan by talking to a local independent insurance agent.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

An independent insurance agent in New Mexico can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in New Mexico to find you the right coverage at a great price.

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