How much does Mexican car insurance cost?

Mexican car insurance costs vary by vehicle value, coverage level, and trip length. Short-term liability coverage is priced by your trip length, while full coverage that also protects your own vehicle is based mainly on its value. A yearly policy lowers the cost of insurance per day significantly. 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 drive-through office (open every day of the year) 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?

Contact your insurance carrier right away using the 800 number provided to you at the time you purchased your policy - a proper Mexican policy sends an 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?

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. 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 drive-through at the last exit before the border (open every day of the year) 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.

2026 Baja Off-Road Racing Calendar

Off-road trophy truck racing in the Baja desert during the 2026 season

The desert wakes up early on race week. Long before dawn, the wash fills with the throb of engines and the white beams of pre-runners scouting one more line, while chase trucks load spares and crews argue over fuel splits. From the trophy trucks of the Baja 1000 to the vintage iron of the NORRA rally, 2026 is a full year of racing down the peninsula and across Sonora – and Instant Mexico Auto Insurance has insured this world since 1975. Here is the season at a glance.

The 2026 Baja & Sonora season at a glance

The marquee dated events for the 2026 off-road season:

Jan 30-31

San Felipe Desert Mayhem — “El Jefe 300”

RECORD series opener · San Felipe, Baja

Early Feb

Bahía de los Ángeles 200 (Bay of LA 200)

Circuit race on the Sea of Cortez · Baja

Mar 25-29

SCORE San Felipe 250

SCORE World Desert Championship · San Felipe, Baja

Apr 30 – May 8

NORRA Mexican 1000 (Baja 6-Day Rally)

Ensenada to San José del Cabo · vintage-style rally

Jun 3-7

SCORE Baja 500

SCORE World Desert Championship · Ensenada, Baja

Sep 9-13

SCORE Baja 400

SCORE World Desert Championship · Ensenada, Baja

Oct 8-11

NORRA 500

Two-day loop · Ensenada, Baja

Nov 9-15

SCORE Baja 1000

The crown jewel · Baja California

Dates are the latest announced and can shift – always confirm with the promoter before you travel.

More racing through the year

RECORD Off-Road (5 races): the San Felipe-based series runs rounds across the year, opening with the El Jefe 300 in January.
CODE Off-Road (6 races): Baja’s busiest desert series, with events between Mexicali, Ensenada and San Felipe.
Sonora Rally: the road-to-Dakar navigation rally in Sonora, typically in the spring.
Check each promoter’s site for the full 2026 round-by-round schedule.

We insure the whole field

Whether you are racing, pre-running, driving chase, or just heading down to watch, you need valid Mexican insurance the moment you cross. Instant is the official Mexican insurance agent for SCORE International and a longtime partner of Baja off-road racing – see our off-road racing insurance page for race-vehicle, pre-runner and chase coverage, and our race guides for the Baja 1000, Baja 500, Baja 400 and San Felipe 250.

Racing or watching in 2026?

Race vehicles, pre-runners and chase trucks are insured by phone – off-road racing coverage is not available through the online form. Just driving down to watch? Quote your own vehicle online in minutes.

Call (800) 345-4701 Quote my vehicle →

Related guides

By Instant Mexico Auto Insurance

Serving U.S. drivers heading into Baja and mainland Mexico since 1973, from our drive-through office at the San Ysidro border. California-licensed (Dept. of Insurance #0516723), BBB A+ accredited, and the official Mexican insurance agent for SCORE International and Baja off-road racing – including the Bay of LA 200. Our policies are underwritten by established, A-rated Mexican carriers.

Frequently asked questions

When is the SCORE Baja 1000 in 2026?

The 2026 SCORE Baja 1000 is scheduled for November 9-15, 2026, in Baja California. It is the final round of the SCORE World Desert Championship.

What off-road races are in Baja in 2026?

The 2026 season includes the San Felipe Desert Mayhem El Jefe 300 (Jan 30-31), the Bay of LA 200 (early Feb), SCORE San Felipe 250 (Mar 25-29), NORRA Mexican 1000 (Apr 30-May 8), SCORE Baja 500 (Jun 3-7), SCORE Baja 400 (Sep 9-13), NORRA 500 (Oct 8-11) and SCORE Baja 1000 (Nov 9-15), plus RECORD, CODE and Sonora Rally rounds.

Do I need Mexican insurance to race or watch in Baja?

Yes. Your U.S. auto policy is not valid in Mexico. Racers, pre-runners, chase vehicles and spectators all need a Mexican auto policy to drive legally. Race-vehicle coverage is issued through our office; spectator and chase coverage can be quoted online.

Can you insure a race vehicle or chase truck for a 2026 Baja race?

Yes. We specialize in off-road racing coverage – race vehicles, pre-runners and chase trucks. Contact our office at least three weeks before your event so coverage can be issued in time.

2026 Baja Off-Road Racing Calendar: SCORE, NORRA & More

The 2026 Baja & Sonora season at a glance

We insure the whole field

Related guides

Frequently asked questions

When is the SCORE Baja 1000 in 2026?

What off-road races are in Baja in 2026?

Do I need Mexican insurance to race or watch in Baja?

Can you insure a race vehicle or chase truck for a 2026 Baja race?

Leave a Reply Cancel reply

Insurance

Resources

Contact