How much does Mexican car insurance cost?

Mexican car insurance costs vary by vehicle value, coverage level, and trip length. Short-term liability coverage often starts at just a few dollars a day, while full coverage that also protects your own vehicle is based mainly on its value. A free online quote gives you an exact price in about two minutes.

Can I purchase Mexican car insurance at the border?

Yes. You can buy online in about two minutes before you leave, or stop at our 24/7 drive-through office at 223 Via De San Ysidro - the last exit before the border. We recommend having your coverage confirmed before you cross into Mexico.

Does Mexican car insurance cover rental cars?

Yes, you can insure a rental car for Mexico. Your US rental coverage does not meet Mexico's legal liability requirement, so you need a separate Mexican policy. Bring the vehicle details and any rental-company permission, and make sure your rental agreement allows travel into Mexico.

What happens if I get into an accident in Mexico?

Call your insurer's emergency number right away - a proper Mexican policy sends a bilingual adjuster and legal assistance to the scene. Do not admit fault and do not leave until the adjuster arrives. Without Mexican insurance, an at-fault driver can face out-of-pocket liability and detention until responsibility is settled.

Does Mexican car insurance cover theft or vandalism?

Yes. Full-coverage Mexican auto policies typically cover total theft of the vehicle, along with collision and damage. Liability-only policies cover damage you cause to others but not your own vehicle, so choose full coverage if theft protection matters to you.

Can I buy a one-day Mexican insurance policy?

Yes. Temporary Mexican auto insurance can be purchased by the day, week, month, or year, so a quick day trip to Tijuana costs only a few dollars. You pay only for the days you need.

Is it cheaper to buy Mexican insurance online or at the border?

Online and our drive-through offer the same quality coverage. Buying online in advance is the most convenient - you get an instant quote and emailed documents before you leave. If you did not buy ahead, our 24/7 drive-through at the last exit before the border has you covered.

What types of motorcycles are covered by Mexican motorcycle insurance?

Mexican motorcycle insurance covers a wide range of street-legal motorcycles - cruisers, sport bikes, touring bikes, and more. Coverage includes the liability required by Mexican law, with options for theft and damage to your bike.

Can I purchase Mexican motorcycle insurance if I don't have a driver's license?

You need a valid driver's license to legally ride in Mexico, and you should carry it along with your passport and registration. We can insure your motorcycle once you have the required documents.

Do I need separate insurance for my motorcycle in Mexico?

Yes. Just like a car, your motorcycle needs its own Mexican liability policy from a Mexican-licensed insurer. Your US motorcycle insurance does not satisfy Mexico's legal requirement, even for a short ride across the border.

What coverage options are available for RV owners in Mexico?

Mexican RV insurance includes the liability required by law, plus options for collision, theft, and damage to your motorhome - and often coverage for your belongings inside. Because an RV is worth more than a typical car, the policy reflects its higher value.

Can I add additional drivers to my RV insurance policy in Mexico?

Yes. You can typically add additional drivers to your Mexican RV policy so everyone in your party is covered to drive. Have each driver's information ready when you get your quote.

Are there restrictions on the types of RVs that can be insured in Mexico?

Most motorhomes, travel trailers, and campers can be insured for Mexico. Coverage and value limits depend on the size and value of the rig, so provide your RV's details for an accurate quote.

Does Mexican RV insurance cover my belongings inside?

Many full-coverage Mexican RV policies include coverage for your contents and belongings, in addition to liability and physical damage to the motorhome. Ask about contents coverage when you get your quote.

Are there specific requirements for insuring a trailer in Mexico?

Yes. A trailer needs its own Mexican coverage and proof of ownership. It is not automatically covered by your tow vehicle's policy, so you add the trailer to a Mexican auto policy. Baja requires no vehicle import permit, which keeps towing into the peninsula simple.

Can I add additional coverage to my trailer insurance policy?

Yes. You can add coverage for the trailer and what it carries - including a boat, jet skis, or other watercraft - to your Mexican policy. Provide proof of ownership and the item details when you get your quote.

Is my trailer covered by my vehicle's Mexican insurance?

No. A trailer needs its own Mexican coverage - it is not automatically included in your tow vehicle's policy. You can add the trailer (and any watercraft) to the same Mexican auto policy when you get your quote.

Off-Road Racing Insurance in Mexico

Off-road racing insurance - insuring off-road races since 1977

From the trophy trucks of the Baja 1000 to the chase rigs that follow them, off-road racing in Mexico runs on the right insurance. Instant Mexico Auto Insurance has covered off-road racers crossing into Baja since 1977 – and we are the official Mexican insurance agent for SCORE International.

Official Mexican Insurance Agent for SCORE International

Insuring off-road racers crossing into Baja since 1977.

Vehicles we cover

Whatever you are running in the desert, we have a Mexican policy for it:

Race Vehicles

Trophy trucks, buggies and class racers competing in Baja.

Pre-Runners

Your pre-running rig for scouting and testing the course.

Chase Vehicles

Support trucks and crew vehicles following the race.

Special Modified

Custom and heavily modified vehicles built for the desert.

Why race teams choose us

Off-road specialists since 1977 – we understand race weekends, not just road trips.
Official agent for SCORE International – the sanctioning body of the Baja 1000 and Baja 500.
Coverage for the whole convoy – race vehicle, pre-runner and chase trucks on one trip.
Fast online quotes – get covered in minutes before you stage at the line.

Insure your race rig in minutes

Get Mexican insurance for your race vehicle, pre-runner or chase truck before you head south.

Get My Free Quote →

Planning the drive down?

See our guides on taking a chase/off-road vehicle into Baja, what to bring to cross, and why Mexican insurance is required.

Frequently asked questions

Do I need Mexican insurance for an off-road race in Baja?

Yes. Your US policy does not cover you in Mexico, and SCORE and Mexican authorities require valid Mexican auto insurance for your race vehicle, pre-runner and chase vehicles.

Can you insure a trophy truck or heavily modified race vehicle?

Yes. We specialize in off-road and special-modified vehicles – race cars, buggies, pre-runners, chase trucks and custom desert rigs.

Are you really SCORE International’s insurance agent?

Yes. Instant Mexico Auto Insurance is the official Mexican insurance agent for SCORE International, the sanctioning body of the Baja 1000 and Baja 500.

How fast can I get covered before a race?

In minutes. Get a quote online, choose your coverage, and you are insured before you stage at the start line.