New Mexico Golf Cart Insurance (2026)

New Mexico requires liability insurance for all motor vehicles operated on public roads, including golf carts registered as low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/10. Proof of insurance is required for vehicle registration and must be maintained at all times.

Golf cart use in New Mexico is concentrated in retirement communities, resort areas, and some smaller towns. The state's warm, dry climate in the southern part allows for year-round use, while northern New Mexico communities may have seasonal use patterns. Communities in the Albuquerque metro area, Las Cruces, and various golf-oriented developments see regular golf cart usage.

New Mexico has moderate insurance costs, with rates generally below the national average. The state's relatively low population density and rural character help keep premiums affordable. However, the $10,000 property damage minimum is on the lower side, and higher limits are recommended.

• Low Property Damage Minimum: New Mexico's $10,000 property damage minimum is relatively low; higher limits are recommended.
• Year-Round Use (Southern NM): Communities in southern New Mexico, including Las Cruces and Truth or Consequences, can use golf carts year-round.
• Retirement Communities: New Mexico has numerous retirement communities where golf carts are popular, particularly in the Albuquerque and Las Cruces areas.
• Moderate Costs: New Mexico auto insurance rates are generally below the national average.
• Sun Damage Risk: Comprehensive coverage is recommended to protect against UV damage and extreme heat that can affect golf cart components.