What Last-Mile Delivery Insurance Requirements Apply in New Mexico?

The enrolled 2016 House Bill 168 requires primary automobile liability of $50,000 per person, $100,000 per incident, and $25,000 property damage while a driver is logged on and not on a prearranged ride, and $1 million on a prearranged ride. The ride runs until the passengers exit. The introduced bill's purpose section is safety and access for rides provided by transportation network company drivers, not delivery of goods. The final bill text that opened does not print a calendar effective date.

What Is Last-Mile Delivery Insurance?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

New Mexico Last-Mile Delivery Insurance Requirements

Requirement	Details
Logged on, not on a prearranged ride	$50,000 / $100,000 / $25,000 ¹
Prearranged ride	$1 million ¹

What to Watch for With Last-Mile Delivery in New Mexico

The Ride Lasts Until Passengers Exit
The financial-responsibility section keeps the $1 million primary limit on through the prearranged ride, and the ride continues until the passengers exit. A quote that drops back to $50,000/$100,000/$25,000 while a passenger is still in the car does not match that period. Uninsured and underinsured motorist coverage is also required to the extent of Section 66-5-301. ¹
The Act’s Purpose Is Rides
The introduced bill states its purpose as rides provided by transportation network company drivers. The financial-responsibility amounts in that bill text match the enrolled bill's $50,000/$100,000/$25,000 and $1 million split. Neither text is a goods-delivery schedule. ^2,¹
Ask for the Operative Date
The final bill text that opened does not state a calendar effective date on the insurance section. Confirm when the Public Regulation Commission began enforcing the act before you treat a 2016 PDF as the only version that matters. The dollar split itself is the one printed in the enrolled bill. ¹

Which Last-Mile Delivery Providers Have New Mexico License Records?

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in New Mexico?

New Mexico Office of Superintendent of Insurance

New Mexico OSI licenses insurance producers and agencies, oversees insurers and reviews insurance forms and rates. Its Consumer Assistance Bureau accepts insurance complaints, including complaints involving commercial and business insurance. ^3,^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 855-427-5674

Surplus-Lines Tax and Stamping Office in New Mexico

Reported tax rate. 3.003% of taxable surplus-lines premium (verify allocation and current return instructions) ^7,^8,^9,¹⁰

New Mexico’s surplus-lines tax is listed as 3.003% of taxable premium in the state’s surplus-lines tax-return instructions; confirm current allocation and filing treatment with the New Mexico Taxation and Revenue Department because its current program page distinguishes broker-placed surplus lines from independently procured insurance. Surplus-lines coverage is issued by an unauthorized insurer and is outside ordinary state guaranty-association protection; do not treat the separate self-procured tax as the surplus-lines broker tax.

Questions to Ask Before You Buy Last-Mile Delivery in New Mexico

Does the $1 million limit stay on until the passengers exit, as the enrolled bill describes the ride?
Is uninsured and underinsured motorist coverage included to the extent of Section 66-5-301?
Are you applying this rider act to a goods delivery the purpose section does not mention?

Last-Mile Delivery Insurance in New Mexico: Frequently Asked Questions

What limit does New Mexico’s 2016 transportation-network act require during a prearranged ride?

$1 million. Enrolled House Bill 168 sets that primary automobile liability for death, bodily injury, and property damage. ¹

Does that New Mexico act set a goods-delivery minimum?

No. The introduced bill's purpose is rides by transportation network company drivers, and the enrolled insurance section follows that ride. ²

Sources for Last-Mile Delivery Insurance in New Mexico

1
HB 168 final, Transportation Network Company Services Act. New Mexico Legislature; Section 2 definitions; Section 8 financial responsibility; Section 10 automobile insurance provisions. Accessed 2026-09-29.
2
House Bill 168, as introduced, 2016. New Mexico Legislature; Section 2 purpose, rides by transportation network company drivers; Section 10 financial responsibility. Accessed 2026-09-29.
3
Office of the Superintendent of Insurance. New Mexico Office of Superintendent of Insurance; Official OSI homepage says it licenses individuals and agencies, oversees business insurance and reviews rates/forms. Accessed 2026-09-28.
4
License Status Verification. New Mexico Office of Superintendent of Insurance; Official page says OSI/NAIC public verification checks producer, adjuster, surplus-lines broker and TPA license status. Accessed 2026-09-28.
5
File a Complaint. New Mexico Office of Superintendent of Insurance; Official complaint page says OSI accepts complaints against insurers and agents; current agency page discusses complaint filing. OSI site redirects from www host, which the web verifier could not fetch. Accessed 2026-09-28.
6
Consumer Assistance. New Mexico Office of Superintendent of Insurance; Official OSI page expressly includes commercial and business insurance complaints; consumer assistance. Accessed 2026-09-28.
7
Surplus Lines Premium Tax Return (TRD-41397). New Mexico Taxation and Revenue Department; State tax return and instructions establish 3.003% rate; accessible as an official PDF download, but its revision date is not explicit in the current web-indexed copy. Accessed 2026-09-28.
8
Insurance Premium Tax and Self-Insured Group Tax Programs. New Mexico Taxation and Revenue Department; Current program page distinguishes surplus-lines broker premium tax from self-procured nonadmitted-insurance tax under §7-40-3(A). It does not display the surplus-lines rate. Accessed 2026-09-28.
9
NMSA 1978, Chapter 59A, Article 14, Surplus Lines Insurance. New Mexico Legislature / New Mexico Compilation Commission; Surplus-lines act; insurer notice, licensing and placement provisions. Direct statute host should be checked if it changes route. Accessed 2026-09-28.
10
NMSA 1978, §59A-14-5. New Mexico Legislature / New Mexico Compilation Commission; Surplus-lines policy notice describes lack of state guaranty association protection. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
13
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
14
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
15
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
16
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.