Cheapest Car Insurance in New Mexico (2025)
Best cheap car insurance in New Mexico
Best full-coverage car insurance in New Mexico: State Farm
Geico is the state’s second-cheapest company for full-coverage insurance Full-coverage car insurance usually includes both collision and comprehensive coverages, which protect your vehicle from damage and theft. at $155 a month.
USAA has a lower average rate than State Farm or Geico, but only military members and their families can buy from USAA. If that describes you, get a quote from USAA. Along with cheap full-coverage rates, USAA offers great customer service.
Cheapest companies for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,464 |  |
 | Geico | $1,858 |  |
 | Progressive | $1,861 |  |
 | Farm Bureau | $2,435 | |
 | Allstate | $2,581 |  |
 | Farmers | $3,105 | |
 | USAA* | $955 | |
New Mexico’s best liability insurance: State Farm
State Farm has more discounts than Farm Bureau, giving you more chances to save on liability car insurance Liability car insurance covers injuries and damage you cause to others. Most states require drivers to buy at least a minimum amount of liability coverage. . Still, comparing quotes from both is the only way to know for sure which is the cheapest for you.
New Mexico drivers are required by law to have at least a minimum amount of liability car insurance, which covers the medical and repair bills of others after you cause an accident.
Cheapest companies for minimum coverage
| Company | Annual rate |
|---|---|
| State Farm | $434 |
| Farm Bureau | $486 |
| Progressive | $622 |
| Geico | $915 |
| Farmers | $927 |
| Allstate | $1,194 |
| USAA* | $238 |
Cheap New Mexico auto insurance for teens: State Farm
All three companies offer several discounts that could make them your cheapest option for liability insurance. Teens pay the highest car insurance rates of any group due to their lack of driving experience, and discounts could help you save a lot of money.
New Mexico teens looking for the cheapest full-coverage car insurance will also find it at State Farm, where rates average $4,097 a year.
If you’re a parent in New Mexico looking for cheap car insurance for teens, add them to your current policy. Your rate will go up, but it should still be cheaper than if you each bought your own auto insurance policies.
Cheapest companies for teens
| Company | Liability | Full coverage |
|---|---|---|
| State Farm | $1,492 | $4,097 |
| Geico | $1,508 | $3,032 |
| Farm Bureau | $1,548 | $3,895 |
| Progressive | $2,000 | $7,163 |
| Allstate | $3,664 | $8,189 |
| Farmers | $4,243 | $12,383 |
| USAA* | $611 | $2,040 |
Cheap New Mexico auto insurance rates after a ticket: State Farm
Geico is the state’s next-cheapest company after a ticket, with an average rate of $201 a month.
After a speeding ticket in New Mexico, you can expect your car insurance premium to increase by around 25%.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,563 |
| Geico | $2,407 |
| Farm Bureau | $2,734 |
| Progressive | $2,754 |
| Allstate | $2,880 |
| Farmers | $4,227 |
| USAA* | $1,186 |
Cheapest car insurance quotes after an accident in New Mexico: State Farm
New Mexico drivers see their auto insurance go up by an average of 42% after an accident.
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,672 |
| Geico | $2,567 |
| Progressive | $2,746 |
| Farm Bureau | $3,319 |
| Allstate | $4,262 |
| Farmers | $4,275 |
| USAA* | $1,378 |
Best insurance for New Mexico teens with a bad driving record: State Farm
Geico has the second-cheapest rates for teens with poor driving records in New Mexico, but it also offers more discounts than State Farm. Compare quotes from both car insurance companies to find out which one will give you the best deal.
Cheapest companies for teen drivers with bad records
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $1,641 | $1,805 |
| Geico | $1,804 | $1,972 |
| Farm Bureau | $1,889 | $2,555 |
| Progressive | $2,286 | $2,075 |
| Allstate | $4,196 | $6,488 |
| Farmers | $5,249 | $5,249 |
| USAA* | $829 | $975 |
New Mexico’s cheapest car insurance after a DWI: Progressive
A driving while intoxicated (DWI) conviction usually leads to fines, jail time and license suspension. You can also expect your car insurance rates to jump about 54% after a DUI in New Mexico.
Cheapest companies after a DWI
| Company | Annual rate |
|---|---|
| Progressive | $2,246 |
| Geico | $2,708 |
| State Farm | $3,149 |
| Allstate | $3,554 |
| Farmers | $4,116 |
| Farm Bureau | $4,315 |
| USAA* | $1,883 |
Cheap car insurance for bad credit in New Mexico: Progressive
Progressive and Geico are close enough in cost that discounts could be a key factor in which company gives you the cheapest car insurance quote.
Car insurance companies charge higher rates to drivers with poor credit because they see a link between credit score and the risk of filing a claim. With poor credit, you can expect to pay about 79% more for car insurance than a driver with good credit.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| Progressive | $2,937 |
| Geico | $2,951 |
| Farm Bureau | $3,555 |
| Allstate | $3,702 |
| Farmers | $5,131 |
| State Farm | $5,652 |
| USAA* | $1,663 |
If you want to learn your credit score, you can find out for free at LendingTree Spring before you shop for car insurance.
Best car insurance companies in New Mexico
Farm Bureau has a higher J.D. Power customer satisfaction rating than State Farm, though both are better than average. Farm Bureau also offers gap insurance, while State Farm does not. Gap insurance pays the rest of what you owe on a financed car if it is totalled.
State Farm offers more discounts than Farm Bureau, and also makes it easy to get online car insurance quotes.
New Mexico car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Farm Bureau | 673 | A | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
New Mexico insurance rates by city
Deming has the cheapest average car insurance rate in New Mexico at $1,697 a year, or $141 a month. South Valley has the state’s most expensive car insurance rate of $210 a month.
In Albuquerque, New Mexico’s largest city, drivers pay an average of $204 a month. Las Cruces, the state’s second-biggest city, has an average rate of $162 a month. Rio Rancho drivers pay around $185 a month.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Abiquiu | $2,104 | 5% |
| Adelino | $2,244 | 12% |
| Agua Fria | $2,068 | 3% |
| Alamo | $1,882 | -6% |
| Alamogordo | $1,734 | -14% |
| Albuquerque | $2,451 | 22% |
| Alcalde | $2,101 | 5% |
| Algodones | $2,156 | 8% |
| Alto | $1,986 | -1% |
| Amalia | $2,096 | 5% |
| Amistad | $2,029 | 1% |
| Angel Fire | $2,097 | 5% |
| Animas | $1,722 | -14% |
| Anthony | $1,972 | -2% |
| Anton Chico | $2,012 | 0% |
| Aragon | $1,793 | -11% |
| Arenas Valley | $1,733 | -14% |
| Arrey | $1,794 | -11% |
| Arroyo Seco | $2,119 | 6% |
| Artesia | $2,004 | 0% |
| Atoka | $2,012 | 0% |
| Aztec | $1,833 | -9% |
| Bard | $1,958 | -2% |
| Bayard | $1,715 | -14% |
| Belen | $2,286 | 14% |
| Bent | $1,818 | -9% |
| Berino | $1,952 | -3% |
| Bernalillo | $2,166 | 8% |
| Black Rock | $1,807 | -10% |
| Blanco | $1,796 | -10% |
| Bloomfield | $1,828 | -9% |
| Bluewater Village | $1,837 | -8% |
| Bosque | $2,112 | 5% |
| Bosque Farms | $2,250 | 12% |
| Brimhall | $1,841 | -8% |
| Broadview | $2,049 | 2% |
| Buckhorn | $1,707 | -15% |
| Buena Vista | $2,059 | 3% |
| Caballo | $1,756 | -12% |
| Canjilon | $2,151 | 7% |
| Cannon AFB | $2,019 | 1% |
| Canones | $2,145 | 7% |
| Capitan | $2,017 | 1% |
| Caprock | $2,041 | 2% |
| Capulin | $2,012 | 0% |
| Carlsbad | $2,113 | 5% |
| Carnuel | $2,403 | 20% |
| Carrizozo | $1,903 | -5% |
| Carson | $2,119 | 6% |
| Casa Blanca | $2,017 | 1% |
| Causey | $1,960 | -2% |
| Cebolla | $2,151 | 7% |
| Cedar Crest | $2,275 | 13% |
| Cedar Grove | $2,114 | 5% |
| Cedarvale | $2,082 | 4% |
| Cedro | $2,274 | 13% |
| Cerrillos | $2,029 | 1% |
| Cerro | $2,081 | 4% |
| Chacon | $2,065 | 3% |
| Chama | $2,163 | 8% |
| Chamberino | $1,925 | -4% |
| Chamisal | $2,059 | 3% |
| Chamita | $2,088 | 4% |
| Chaparral | $1,995 | 0% |
| Chimayo | $2,101 | 5% |
| Church Rock | $1,892 | -6% |
| Cimarron | $2,089 | 4% |
| Claunch | $1,917 | -4% |
| Clayton | $2,032 | 1% |
| Cleveland | $2,046 | 2% |
| Cliff | $1,789 | -11% |
| Clines Corners | $2,045 | 2% |
| Cloudcroft | $1,900 | -5% |
| Clovis | $2,023 | 1% |
| Cochiti Lake | $2,084 | 4% |
| Cochiti Pueblo | $2,143 | 7% |
| Columbus | $1,773 | -12% |
| Conchas Dam | $2,022 | 1% |
| Continental Divide | $1,846 | -8% |
| Cordova | $2,110 | 5% |
| Corona | $2,068 | 3% |
| Corrales | $2,302 | 15% |
| Costilla | $2,080 | 4% |
| Counselor | $1,979 | -1% |
| Coyote | $2,112 | 5% |
| Crossroads | $2,007 | 0% |
| Crownpoint | $1,875 | -6% |
| Cuartelez | $2,016 | 1% |
| Cuba | $1,968 | -2% |
| Cubero | $1,910 | -5% |
| Cuervo | $1,973 | -2% |
| Datil | $1,844 | -8% |
| Deming | $1,697 | -15% |
| Derry | $1,829 | -9% |
| Des Moines | $2,062 | 3% |
| Dexter | $2,037 | 2% |
| Dixon | $2,076 | 4% |
| Dona Ana | $1,928 | -4% |
| Dulce | $2,103 | 5% |
| Eagle Nest | $2,012 | 0% |
| Edgewood | $2,110 | 5% |
| El Cerro | $2,236 | 12% |
| El Cerro Mission | $2,248 | 12% |
| El Prado | $2,109 | 5% |
| El Rancho | $2,063 | 3% |
| El Rito | $2,081 | 4% |
| Eldorado at Santa Fe | $2,095 | 4% |
| Elephant Butte | $1,735 | -13% |
| Elida | $1,938 | -3% |
| Embudo | $2,108 | 5% |
| Encino | $1,976 | -1% |
| Espanola | $2,082 | 4% |
| Estancia | $2,165 | 8% |
| Eunice | $2,089 | 4% |
| Fairacres | $1,959 | -2% |
| Farmington | $1,796 | -10% |
| Faywood | $1,766 | -12% |
| Fence Lake | $1,818 | -9% |
| Flora Vista | $1,811 | -10% |
| Floyd | $1,988 | -1% |
| Folsom | $2,041 | 2% |
| Fort Bayard | $1,771 | -12% |
| Fort Stanton | $1,952 | -3% |
| Fort Sumner | $2,045 | 2% |
| Fort Wingate | $1,889 | -6% |
| Fruitland | $1,825 | -9% |
| Gallina | $2,175 | 9% |
| Gallup | $1,832 | -9% |
| Gamerco | $1,884 | -6% |
| Garfield | $1,823 | -9% |
| Garita | $2,045 | 2% |
| Gila | $1,791 | -11% |
| Gladstone | $2,030 | 1% |
| Glencoe | $2,001 | 0% |
| Glenwood | $1,769 | -12% |
| Glorieta | $2,077 | 4% |
| Grady | $2,053 | 2% |
| Grants | $1,799 | -10% |
| Grenville | $2,030 | 1% |
| Guadalupita | $2,006 | 0% |
| Hachita | $1,723 | -14% |
| Hagerman | $2,011 | 0% |
| Hanover | $1,725 | -14% |
| Hatch | $1,863 | -7% |
| Hernandez | $2,075 | 3% |
| High Rolls Mountain Park | $1,925 | -4% |
| Hillsboro | $1,752 | -13% |
| Hobbs | $2,099 | 5% |
| Holloman AFB | $1,748 | -13% |
| Holman | $2,082 | 4% |
| Hondo | $2,003 | 0% |
| Hope | $2,061 | 3% |
| House | $1,951 | -3% |
| Hurley | $1,710 | -15% |
| Ilfeld | $2,093 | 4% |
| Isleta | $2,297 | 15% |
| Jal | $2,049 | 2% |
| Jamestown | $1,901 | -5% |
| Jarales | $2,264 | 13% |
| Jemez Pueblo | $2,037 | 2% |
| Jemez Springs | $2,024 | 1% |
| Kenna | $1,991 | -1% |
| Kirtland | $1,816 | -9% |
| Kirtland Air Force Base | $2,398 | 20% |
| La Cienega | $2,058 | 3% |
| La Huerta | $2,105 | 5% |
| La Jara | $2,041 | 2% |
| La Joya | $1,959 | -2% |
| La Loma | $2,007 | 0% |
| La Luz | $1,822 | -9% |
| La Madera | $2,069 | 3% |
| La Mesa | $1,913 | -5% |
| La Mesilla | $2,105 | 5% |
| La Plata | $1,809 | -10% |
| La Puebla | $2,072 | 3% |
| La Union | $1,970 | -2% |
| La Villita | $2,103 | 5% |
| Laguna | $2,105 | 5% |
| Lake Arthur | $2,025 | 1% |
| Lakewood | $2,052 | 2% |
| Lamy | $2,011 | 0% |
| Las Cruces | $1,938 | -3% |
| Las Maravillas | $2,246 | 12% |
| Las Vegas | $2,070 | 3% |
| Lee Acres | $1,801 | -10% |
| Lemitar | $1,951 | -3% |
| Lincoln | $2,004 | 0% |
| Lindrith | $2,046 | 2% |
| Lingo | $1,996 | 0% |
| Livingston Wheeler | $2,116 | 6% |
| Llano | $2,107 | 5% |
| Loco Hills | $2,044 | 2% |
| Logan | $2,009 | 0% |
| Lordsburg | $1,734 | -13% |
| Los Alamos | $1,876 | -6% |
| Los Chaves | $2,259 | 13% |
| Los Lunas | $2,234 | 11% |
| Los Ojos | $2,211 | 10% |
| Los Ranchos de Albuquerque | $2,390 | 19% |
| Loving | $2,100 | 5% |
| Lovington | $2,084 | 4% |
| Luna | $1,804 | -10% |
| Magdalena | $1,868 | -7% |
| Malaga | $2,069 | 3% |
| Maljamar | $2,075 | 3% |
| Maxwell | $2,024 | 1% |
| Mayhill | $1,971 | -2% |
| McIntosh | $2,159 | 8% |
| Mcalister | $1,984 | -1% |
| Mcdonald | $2,074 | 3% |
| Meadow Lake | $2,247 | 12% |
| Medanales | $2,116 | 6% |
| Melrose | $2,069 | 3% |
| Mentmore | $1,895 | -5% |
| Mescalero | $1,872 | -7% |
| Mesilla | $1,930 | -4% |
| Mesilla Park | $1,937 | -3% |
| Mesquite | $1,930 | -4% |
| Mexican Springs | $1,838 | -8% |
| Miami | $2,061 | 3% |
| Milan | $1,814 | -10% |
| Mills | $2,018 | 1% |
| Milnesand | $1,969 | -2% |
| Mimbres | $1,732 | -14% |
| Monterey Park | $2,245 | 12% |
| Montezuma | $2,041 | 2% |
| Monticello | $1,776 | -11% |
| Monument | $2,123 | 6% |
| Mora | $2,074 | 3% |
| Moriarty | $2,124 | 6% |
| Mosquero | $2,075 | 4% |
| Mountainair | $2,128 | 6% |
| Mule Creek | $1,783 | -11% |
| Nageezi | $1,894 | -6% |
| Nambe | $2,067 | 3% |
| Napi Headquarters | $1,796 | -10% |
| Nara Visa | $2,013 | 0% |
| Navajo | $1,889 | -6% |
| Navajo Dam | $1,824 | -9% |
| New Laguna | $2,062 | 3% |
| Newcomb | $1,934 | -4% |
| Newkirk | $2,018 | 1% |
| Nogal | $1,966 | -2% |
| North Hobbs | $2,087 | 4% |
| North Valley | $2,385 | 19% |
| Ocate | $2,026 | 1% |
| Ohkay Owingeh | $2,082 | 4% |
| Ojo Caliente | $2,079 | 4% |
| Ojo Feliz | $2,041 | 2% |
| Organ | $1,951 | -3% |
| Orogrande | $1,919 | -4% |
| Paguate | $1,999 | 0% |
| Paradise Hills | $2,346 | 17% |
| Pecos | $2,090 | 4% |
| Pena Blanca | $2,028 | 1% |
| Penasco | $2,046 | 2% |
| Pep | $1,980 | -1% |
| Peralta | $2,275 | 13% |
| Petaca | $2,129 | 6% |
| Picacho | $2,052 | 2% |
| Pie Town | $1,836 | -8% |
| Pinehill | $1,848 | -8% |
| Pinon | $1,896 | -5% |
| Placitas | $2,184 | 9% |
| Playas | $1,826 | -9% |
| Pojoaque | $2,062 | 3% |
| Polvadera | $1,940 | -3% |
| Ponderosa | $2,071 | 3% |
| Ponderosa Pine | $2,294 | 14% |
| Portales | $1,976 | -1% |
| Prewitt | $1,855 | -7% |
| Pueblo Of Acoma | $1,929 | -4% |
| Quay | $2,000 | 0% |
| Quemado | $1,832 | -9% |
| Questa | $2,093 | 4% |
| Radium Springs | $1,934 | -4% |
| Rainsville | $2,071 | 3% |
| Ramah | $1,858 | -7% |
| Ranchos De Taos | $2,098 | 5% |
| Raton | $2,003 | 0% |
| Red River | $2,055 | 3% |
| Redrock | $1,777 | -11% |
| Regina | $2,036 | 2% |
| Rehoboth | $1,905 | -5% |
| Reserve | $1,779 | -11% |
| Ribera | $2,045 | 2% |
| Rincon | $1,907 | -5% |
| Rio Communities | $2,287 | 14% |
| Rio Rancho | $2,221 | 11% |
| Rociada | $2,064 | 3% |
| Rodeo | $1,792 | -11% |
| Rogers | $1,961 | -2% |
| Roswell | $2,038 | 2% |
| Rowe | $2,088 | 4% |
| Roy | $1,996 | 0% |
| Ruidoso | $1,969 | -2% |
| Ruidoso Downs | $2,037 | 2% |
| Sacramento | $1,869 | -7% |
| Salem | $1,803 | -10% |
| San Acacia | $1,942 | -3% |
| San Antonio | $1,871 | -7% |
| San Cristobal | $2,060 | 3% |
| San Felipe Pueblo | $2,141 | 7% |
| San Fidel | $1,856 | -7% |
| San Ildefonso Pueblo | $2,064 | 3% |
| San Jon | $1,979 | -1% |
| San Jose | $2,069 | 3% |
| San Miguel | $1,912 | -5% |
| San Patricio | $1,965 | -2% |
| San Rafael | $1,863 | -7% |
| San Ysidro | $2,012 | 0% |
| Sandia Heights | $2,335 | 16% |
| Sandia Knolls | $2,222 | 11% |
| Sandia Park | $2,289 | 14% |
| Sanostee | $1,928 | -4% |
| Santa Clara | $1,712 | -15% |
| Santa Clara Pueblo | $2,108 | 5% |
| Santa Cruz | $2,068 | 3% |
| Santa Fe | $2,058 | 3% |
| Santa Rosa | $1,989 | -1% |
| Santa Teresa | $2,000 | 0% |
| Santo Domingo Pueblo | $2,053 | 2% |
| Sapello | $2,034 | 1% |
| Sausal | $2,286 | 14% |
| Sedan | $2,040 | 2% |
| Sedillo | $2,286 | 14% |
| Serafina | $2,080 | 4% |
| Sheep Springs | $1,907 | -5% |
| Shiprock | $1,836 | -8% |
| Silver City | $1,710 | -15% |
| Skyline-Ganipa | $1,928 | -4% |
| Smith Lake | $1,908 | -5% |
| Socorro | $1,921 | -4% |
| Solano | $2,008 | 0% |
| South Valley | $2,517 | 26% |
| Spencerville | $1,828 | -9% |
| Springer | $2,020 | 1% |
| St. Vrain | $2,035 | 2% |
| Stanley | $2,105 | 5% |
| Sunland Park | $2,040 | 2% |
| Sunspot | $1,928 | -4% |
| Taiban | $2,028 | 1% |
| Taos | $2,097 | 5% |
| Taos Pueblo | $2,109 | 5% |
| Taos Ski Valley | $2,130 | 6% |
| Tatum | $2,017 | 1% |
| Tererro | $2,089 | 4% |
| Tesuque | $2,079 | 4% |
| Texico | $2,031 | 1% |
| Thoreau | $1,864 | -7% |
| Tierra Amarilla | $2,095 | 4% |
| Tijeras | $2,294 | 14% |
| Timberon | $1,954 | -3% |
| Tinnie | $2,047 | 2% |
| Tohatchi | $1,890 | -6% |
| Tome | $2,233 | 11% |
| Torreon | $2,086 | 4% |
| Trampas | $2,117 | 6% |
| Trementina | $2,079 | 4% |
| Tres Piedras | $2,113 | 5% |
| Truchas | $2,114 | 5% |
| Truth or Consequences | $1,724 | -14% |
| Tucumcari | $1,952 | -3% |
| Tularosa | $1,800 | -10% |
| Twin Lakes | $1,898 | -5% |
| University Park | $1,988 | -1% |
| Upper Fruitland | $1,820 | -9% |
| Ute Park | $2,079 | 4% |
| Vadito | $2,078 | 4% |
| Vado | $1,915 | -4% |
| Valdez | $2,051 | 2% |
| Valencia | $2,244 | 12% |
| Vallecitos | $2,105 | 5% |
| Valmora | $2,057 | 3% |
| Vanderwagen | $1,896 | -5% |
| Veguita | $2,013 | 0% |
| Velarde | $2,100 | 5% |
| Wagon Mound | $1,987 | -1% |
| Waterflow | $1,818 | -9% |
| Watrous | $2,038 | 2% |
| Weed | $1,868 | -7% |
| West Hammond | $1,832 | -9% |
| White Rock | $1,949 | -3% |
| White Sands | $1,907 | -5% |
| White Sands Missile Range | $1,938 | -3% |
| Whites City | $2,065 | 3% |
| Willard | $2,027 | 1% |
| Williamsburg | $1,744 | -13% |
| Winston | $1,791 | -11% |
| Yah-ta-hey | $1,902 | -5% |
| Yeso | $2,059 | 3% |
| Youngsville | $2,146 | 7% |
| Zia Pueblo | $2,069 | 3% |
| Zuni Pueblo | $1,803 | -10% |
New Mexico car insurance requirements
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $10,000 property damage coverage
SR-22 insurance in New Mexico
If your driver’s license is suspended in New Mexico, you must file an SR-22 to get it reinstated.
An SR-22 proves you have at least the minimum amount of car insurance New Mexico law requires. Your insurance company should file the SR-22 with the Motor Vehicle Division (MVD) on your behalf.
If you do not maintain the SR-22 for its full duration, your insurance company will notify the MVD and your license will be suspended again.
Frequently asked questions
The average cost of full-coverage car insurance in New Mexico is $2,037 a year, or $170 a month. Liability-only car insurance costs $688 a year, or $57 a month, on average.
New Mexico is an at-fault state for auto insurance, meaning the driver responsible for the accident pays for resulting injuries and damage.