There are two primary reasons for having Mexican automobile insurance when driving in Mexico:
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) Website: www.mexicanautoinsurance.com
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.
Full Coverage* Value Premium 12 Months 6 Months 90 Days Under $5,000 $203.22 $168.56 $160.74 $5,001-$9,999 $244.08 $204.88 $194.79 $10,000-$14,999 $284.94 $242.33 $228.84 $15,000-$19,999 $325.80 $279.79 $262.89 $20,000-$24,999 $366.66 $317.24 $296.94 $25,000-$29,999 $407.52 $353.56 $330.99 $30,000-$35,000 $448.38 $391.02 $365.04 Each $5,000
$29.51 $24.97 $22.70
Miscellaneous Item Premium 12 Months 6 Months 3 Months Liability only $188.67 $153.65 $145.13 Boat liability $125 $109 $98 Uninsured Motorist plus
Waiver of Collision Deductable and
Increased Medical Payments
(increases to $20,000 per person,
$100,000 per accident)
$26 $22 $20 Excess liability
(increases CSL to $500,000)
$49 $42 $37 Business use 20% surcharge VIP Endorsement
(vandalism, partial theft)
15% of base premium
They also offer policies 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 created some pages on this matter at
I find driving in Mexico to not be a problem once I get back into the
swing of driving as the Mexicans do:
Here are some links to insurance-related sites. Please note that I can offer no information on the quality of these agencies - you're on your own!. If you come upon websites not mentioned here, please send me some email (ftm @ math.ucr.edu).
I checked under auto insurance and obtained my vehicle coverage through Bajabound's on-line program. It is straight forward and easy to get the coverage needed. I had one question about obtaining motorhome insurance and a "towed" Jeep. The "towing" coverage does not cover driving the Jeep, and a second insuraqnce policy is required. Hank Morton answered my e-mail question directed to "email@example.com" in less than 30 minutes, and was extremely helpful over the subsequent phone call. The insurance was ordered over the web and the Certificate of Insurance printed to my printer. It took less than 10 minutes from start to finish.
Clubs providing insurance coverage to their members (at a lower cost according to their advertising):