Motorcycle Insurance

Why Get Motorcycle Insurance in New Mexico
The number of motorcycle enthusiasts is increasing every year. Today, riding motorcycles is a popular hobby for people all across the country. But with the steadily rising number of riders in New Mexico also comes a growing number of motorcycle-related accidents and injuries. Motorcycle insurance offers motorcycle owners financial protection in the event of an accident or other covered event, such as weather-related damage, property damage, vandalism or theft. New Mexico, like many other states, requires all motorcycle owners to purchase and maintain adequate liability coverage to legally operate a vehicle on the roadways.

Motorcycle Riding in New Mexico
In order to operate a motorcycle, a Class M License or an endorsement added to an existing valid New Mexico driver’s license is required. All applicants under the age of 18 years must successfully complete the basic Rider Course before applying for a license. They must also have the consent of a parent or legal guardian to attend this course. The basic Rider Course is approved and conducted by the New Mexico Motorcycle Safety Program.

Motorcycle License Requirements
All applicants must have the following documents and information to apply for a motorcycle license:

  • Proof of Identification and Residence
  • Passing Grade on the Vision, Written Knowledge and On-cycle Skills Tests
  • Application Fees

There are two Motorcycle Safety Foundation courses offered in New Mexico:

1. Basic Rider Course for beginners includes:

  • Five hours of classroom instruction
  • Ten hours of practical riding in an off-street controlled environment
  • Motorcycles and helmets are provided
  • Concludes with a knowledge test and evaluation of riding skills

Successful completion of this class will earn the student a completion card which can then be used to waive the skills and written tests required for a motorcycle license.

2. Experienced Rider Course – Advanced course for those with riding experience

  • One half-day class
  • Students bring their own helmets and motorcycles

Experienced Rider Course graduates may qualify for discounts with some insurance providers. For more information or to enroll in either or both of these courses, please contact the New Mexico Motorcycle Safety Program at 505-338-2054 or 877-667-8880.

Minimum Insurance Requirements in New Mexico
New Mexico law mandates that all motorcycle owners purchase and maintain liability insurance. The minimum amounts required are:

  • $25,000 for bodily injury of one person
  • $50,000 for bodily injury of all injured parties
  • $10,000 for property damage in one accident

Motorcycle drivers in New Mexico must also carry proof of insurance when operating their vehicles at all times. The consequences of driving without proper insurance coverage are severe: heavy fines and penalties, imprisonment, and in some instances, the suspension of driving privileges.

New Mexico Motorcycle- specific Laws
To lower your risk of an accident, these safety tips should be used by all motorcycle drivers. No matter what type of vehicle you drive in New Mexico, it is important to follow the rules of the road. Laws designed specifically for motorcycle drivers and their safety are listed below.

  • Proof of insurance must be carried at all times when operating a motorcycle.
  • Wearing an approved safety helmet is mandatory for all riders younger than 18. Although not a requirement, all motorcycle drivers and passengers are advised to wear approved helmets.
  • Eye protection must be worn except when the motorcycle has a windscreen.
  • Passenger seats and footrests are required when carrying a passenger.
  • A muffler is required. Cut-outs are not allowed.
  • Motorcycles may not share a lane with another car or motorcycle. Staggered formation is allowed only for groups of riders. The group leader’s place should be on the left side of the lane.

There are many types of coverage offered by insurance companies to ensure that both the rider and the motorcycle are protected fully. Before you put together your insurance policy, do some research about types of coverage and what influences your costs. With some advanced planning and thoughtful consideration of your personal and financial situation, you will then be able to get a comprehensive insurance policy which protects you and your assets.