Auto insurance is important for consumers and required by law. “New Mexico requires all vehicle owners to have car insurance. Auto insurance protects all of us and it may seem expensive, but it is far cheaper than the expense of repairs or replacement if your car is damaged,” states Superintendent Russell Toal. “Remember, too, to drive defensively because other drivers may be distracted, speeding or impaired – if you drive carefully, you may be able to avoid an accident with these unsafe drivers.”