There are two primary reasons for
having Mexican automobile insurance when driving in Mexico:
- U.S. auto insurance is not recognized in Mexico!
If your U.S. insurance agent tells you that your U.S. insurance
will cover you in Mexico, it is simply a sure sign that the
agent is out of touch with the reality of the situation.
- Under Mexican law the police detain all parties in an
accident until guilt has been determined, and some sort of
financial settlement reached. This law applies equally to Mexican
citizens and foreigners.
An insurance policy will demonstrate financial responsibility,
even if guilty, and will allow you continue on your way (if possible).
Just to protect yourself from the hassle of dealing with the Policia and
their jail, it's a good idea to have at least basic liability coverage.
(Jail is a common detainment area while accident issues are being
It's easy to get Mexican vehicle insurance at most border areas.
The insurance is rather expensive when purchased on a daily
basis (about $5-$8US per day for an auto). There are plans
other than the daily ones available at the border - ask about
them. I believe that what they do at the border is charge you
for the most expensive car on their list, unless you clearly
negotiate the appropriate rate.
If you will be traveling for two weeks or more, it probably pays
to get an annual policy. Request a policy which covers the
smallest region within which you'll be traveling.
What I do is purchase annual insurance through an agency in Los
Angeles. The coverage is good for all of Baja California and
the northern states of mainland Mexico. This Mexican insurance
is written through:
Lewis and Lewis Insurance Agency
2950 31st Street, Ste. 140
Santa Monica, CA 90405
(310) 399-0800 (Voice)
(800) 966-6830 (Voice)
(310) 450-0700 (FAX)
In July, 2011 the insurance carrier was
Qualitas Compania de Seguros.
The costs for "Limited Territory Coverage" (states of Baja
California, Baja California Sur, Sonora, Sinaloa, Chihuahua,
Durango, Coahuila, Nuevo Leon and Tamaulipas) were as follows
(all amounts in US dollars):
* Full coverage includes: collision, fire,
total theft, glass, liability: $300,000 Combined Single Limit,
medical payment: $5,000 per person/$25,000 per accident; Legal Service (approximately
$100,000 of coverage - defined to be 21,000 days of Mexican
minimum salary). There are deductible amounts which apply to
the various catagories.
|Uninsured Motorist plus|
Waiver of Collision Deductable and
Increased Medical Payments
(increases to $20,000 per person,
$100,000 per accident)
(increases CSL to $500,000)
|Business use||20% surcharge|
(vandalism, partial theft)
|15% of base premium|
They also offer a policy with coverage throughout Mexico, but
the cost is considerably higher.
Regarding your rights in Mexico following an accident, Hank
Morton, the developer of the Bajabound Insurance site (see the
link at the bottom of the page), has written some information on this
I find driving in Mexico to not be a problem once I get back into the
swing of driving as the Mexicans do:
BE ALERT AND SLIGHTLY AGGRESSIVE.
Especially, watch for obscure or missing (!) stop signs - the
missing ones are spotted by the presence of a matching, and
present, stop sign on the diagonal corner (or writing on the
street). Don't expect other drivers to come to a complete stop
at these stop signs (or even a partial stop!).