What is SR22 and what does it mean in New Mexico?

New Mexico’s approach to the SR22 certificate aligns with its function as a means for certain drivers to reinstate driving privileges after suspension due to severe traffic violations. The certificate, submitted to New Mexico’s DMV by the driver’s insurance company, verifies compliance with the state’s minimum liability insurance requirements.

This requirement typically follows serious infractions such as DUI, driving without insurance, or accumulating significant traffic violations, marking the driver as high-risk. The designation leads to higher insurance premiums, with the state requiring the SR22 for a predetermined period, usually three years. During this time, the driver must maintain uninterrupted insurance coverage.

Drivers in New Mexico facing an SR22 requirement should seek out insurers that offer reasonable rates for high-risk coverage. A commitment to safe driving can help reduce insurance costs and the need for future SR22 filings.