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.

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.

Car Accident in Mexico: What to Do Step by Step

A calm driver making a phone call beside their car on the roadside in Mexico

An accident is stressful anywhere – in Mexico, knowing the right steps (and having the right insurance) makes all the difference between a quick resolution and a very long day.

Quick answer: Stay calm and safe, then call your Mexican insurer’s emergency number immediately – they send a bilingual adjuster and attorney to the scene. Do not admit fault and do not leave until the adjuster arrives. This is exactly why a Mexican policy with legal aid matters.

Step by step

Ensure safety. Check for injuries, move to a safe spot if possible, and turn on hazards.
Call your insurer. Use the emergency number on your policy right away. Your insurer dispatches an adjuster – and, with a proper tourist policy, legal assistance.
Do not admit fault. Let the adjuster and authorities determine responsibility. Admitting fault can complicate everything.
Do not leave the scene until your adjuster arrives and tells you it is okay.
Document everything. Photos, the other driver’s info, and any witnesses.

Why the adjuster and legal aid matter

Under Mexican law, financial responsibility must be established before the parties (and vehicles) are free to go. A proper Mexican policy sends a Mexican-licensed adjuster and attorney who represent you, handle the paperwork, and post any required bond – so you are not stranded or detained. Without that coverage, an uninsured driver can face out-of-pocket liability and detention. This is the single biggest reason Mexican insurance is required, and why a US policy is not enough.

Keep your insurer’s emergency number saved in your phone and a copy of your policy in the car before you cross.

Cross the border with confidence

Do not drive to Mexico without accident protection. Get a Mexican policy with legal aid and a bilingual adjuster – quote in minutes.

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Frequently asked questions

What should I do if I crash in Mexico?

Ensure safety, then call your Mexican insurer’s emergency number immediately – they send an adjuster and attorney. Do not admit fault and do not leave the scene until your adjuster arrives.

Why is Mexican insurance important after an accident?

Mexican law requires establishing financial responsibility on the spot. A proper policy sends a licensed adjuster and attorney and posts any bond, so you are not held or stranded. Without it, you can face out-of-pocket liability and detention.

Should I admit fault after an accident in Mexico?

No. Let the adjuster and authorities determine fault. Admitting fault can complicate the claim and your situation.

What to Do If You Have a Car Accident in Mexico