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In New Mexico, if you hold an unrestricted driver license, are you allowed to talk on a handheld cell phone while you're driving?

A Yes, except in certain cities.

For drivers who hold unrestricted driver licenses, New Mexico law bans texting but does not ban talking on a handheld cell phone. However, cities such as Albuquerque, Las Cruces, Rio Rancho, and Santa Fe have enacted their own local bans. Check which of the New Mexico cities and towns in which you'll be driving have enacted such local bans. [Cellular Phone Usage, Be In Shape to Drive, New Mexico Driver Manual], [NM Stat § 66-7-374]