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Mandatory Auto Insurance in Baja

Mandatory Auto Insurance in Baja

On January 1st 2012, Baja Norte began enforcing a mandatory liability insurance law. Now all vehicles in Baja Norte - local, out of state, and foreign will be required to carry proof of liability insurance while driving.

Wasn't insurance already a requirement in Baja Norte?

Previously, having Mexican insurance or providing proof of financial responsibility (such as cash) was required if you were in an accident. However now the law requires everyone to carry a Mexican liability insurance to prevent being ticketed.

Do all Baja Bound insurance policies fulfill this new requirement?

Yes. All of Baja Bound's policies fulfill the liability requirement.

What is the minimum liability requirement in Baja Norte?

According to the law (Artículo 18 BIS), the minimum liability coverage required to cover other people and their property is approximately $768,732 pesos*, which is about U.S. $40,206.00 based on an exchange rate of $19.12 (as of May 16, 2019).

(*Found by multiplying the amount of 4,350 according to the law, by the current minimum wage of Baja California Norte of $176.72 pesos).
Is this minimum requirement sufficient coverage?

In our experience, this is not sufficient in some cases. We generally recommend at least $300,000 in third party liabilty or higher due to a Mexican Federal law in case of fatalities to third parties. The lowest limit Baja Bound offers is U.S. $50,000 in third party liability and the highest we offer is U.S. $1,000,000.

Will authorities be able to enforce this law?

This remains to be seen. Before this law was enforced a few Baja Bound customers informed us that authorities have asked them for proof of insurance. This may increase. Many drivers in Mexico unfortunately cannot afford insurance which makes it hard to enforce.

4.7 93 Reviews
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    Benjamin Driebe
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    Absolutely fantastic, I already forgot her name because I have a terrible memory but the woman that helped me on the phone was wonderful,...

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    richard carr
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    fast replies and great price!

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    Juan Zuniga
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    I just would like to know if you guys are going to update the fastpass direction any soon, during the month of January the lane changed to...

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    Richard Schweiger
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    Very professional, very helpful, great policy, I couldn't be happier with Baja Mexican Insurance, the friendly smiles and ease of it all in...

  • user logo
    Ryan Frisby
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    We use them every time we travel to Mexico. Luckily we have not needed their services yet but getting insurance through them is quick and...

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    Jan Muhammad
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    I need a tourist visa for maxico I'm from pakistan help me sir

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    Tracy Moore
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    Very easy, quick, and professional

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    robert kepper
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    They are very good . There website doesn't show you need a title to bring a vehicle across the border.I was stopped and told I had to...

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    Edilver Martinez
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    Our go to Baja car insurance, everytime we take a visit down south . Usually it's for a day trip either for a quick getaway with the family...

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    Daniel Markofsky
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    Third time working with Baja Bound and they made it easy! Thanks!

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    Steve Bender
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    Have never needed to use the insurance fortunately but the website always works great. Can buy a policy in about a minute.

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    Jose Paez
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    Had a great experience getting insurance at Baja Bound, before I always stoped at the border to purchase my insurance, not anymore. By the...

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    JUSTINE SERRANO
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    I purchased insurance through them & CHUBB for our trip to San Felipe. Unfortunately, we had to cancel due to our vehicle having an oil...

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    Christian Minor
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    Team were on point, provided inside information, prices were great and they had my proposal already in the system when I called back....

  • user logo
    Joey Digiovanni
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    Easy to work with 😉. Always courteous and helpful

  • user logo
    George
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    Excellent customer service

  • user logo
    Kellye Pummill
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    Fast and easy!

  • user logo
    Jennifer Toups
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    Baja Bound is and has been my go to Mexico insurance company. The website is extremely easy to use, keeps all your info for a quick...

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    Cesar Lopez
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    Very convenient, great price !!

  • user logo
    Louis Schneidman
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    I had an awesome experience with Baja Bound. Family owned and highly personal, top notch customer service. I have total peace of mind...

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    Phil Noble
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    If you’re looking for Mexican Insurance that you can trust and feel good about while traveling in Mexico, you’ve found the right place....

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    Jeff Bunker
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    Great coverage options . Price buy and print policy , very quick and easy , highly recommend them when driving in Mexico

  • user logo
    Burrell DeVine
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    Easy to navigate and very competitively priced! I had to call in and add an additional day, they couldn't have been any more pleasant to...

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    Nereyda Torres
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    Me gusta la asuguranza porque la puedes comprar por un dia y te asegura en Mexico por el tiempo que vas ya sea hasta por mes (Translated...

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    james whitmer
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    Best insurance I've had so far

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    Rail1riders
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    Quick, easy, well designed website and not just for Baja. Good rates for temporal residente gringos. We’re not living in Jalisco. Printed...

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    Matt B
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    I always use Baja Bound to source my insurance while traveling to Mexico. Fortunately, I have not had to file any claims. I do appreciate...

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    Refugio I. Rochin
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    Excellent online and by direct phone. Spanish and English with proven response to questions. Website is very informative about driving in...

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    Kelly Carney
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    Yara is very helpful and explains everything. Love working with companies like this.

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    Slumdog Gump
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    Changed some money. Good rate and friendly people.

  • user logo
    Jeff G
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    Went down to TJ June 11 2020 No problems going into TJ but the way back was a ordeal 6 hours in line to get back into the USA but no...

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    don letson
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    Great renewal process, if only south Dakota would do the same for car registration.

  • user logo
    len buckholtz
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    SIMPLE, STRAIGHTFORWARD. OLD GUYS LIKE THAT. WILL DEFINITELY USE IN 6 MONTHS IF STILL RUNNING AROUND THE WILDS OF BAJA.

  • user logo
    Susana Judd
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    Easy, quick and fair prices. Easy to deal with if needed.

  • user logo
    Seismic Waterfinder
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    Very excellent service, needed insurance for Mexico, price was fair. The custumer service rep was Yara

  • user logo
    Nicolas Dervé
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    Very good ans very fast. We hope all will ben good if we need it.

  • user logo
    Blake Glassco
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    I will never drive south of the border without Baja Bound in my center console. I was in an accident a couple hours south of Ensenada and...

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    JohnPaul Gemelli
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    Baja Bound could not have made it an easier ... also, I made a mistake and called them having to leave a message ... but, they called back...

  • user logo
    Jeff Brandt
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    so far so good, however I have read good things about them

  • user logo
    Sengoz N
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    SERIOUS.

  • user logo
    Kenneth Trass
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    Getting a policy was simple, Provided more than provider for price comparison.

  • user logo
    Esther Valencia
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    Super easy to purchase just the coverage you need when crossing the border in your own car. I especially appreciate the fact that I was...

  • user logo
    Larry Cottingham
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    Great service, very helpful people there.

  • user logo
    Luis Cortes
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    Easiest way to purchase insurance when traveling to Mexico. I have used their service for the last 7 years and it only gets easier and...

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    j dougher ty
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    EZ Peasy insurance purchase. Great service every time I've used them. Had to cancel one time when my travel plans went away - no problem....

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    Paul Niehouse
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    Extremely easy to acquire a policy. Many options available. Reasonable rates.

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    Colin
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    Super-easy and instant. Very happy with initial purchase.

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    Howard M Elster
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    2nd year with Chubb. No problems

  • user logo
    Cyndee Congrove
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    Great customer service, quick, friendly staff helpfully answered all questions, very patient with my learning curve on a new product. Would...

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    Art Eugenio
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    I've had Baja Bound insurance for more that ten years now with thousands of miles logged in Baja. Fortunately, I've only had one fender...

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    Gabe Matthews
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    Where do i start..... you dont know you have good insurance until you have to actually use it. I have had Baja Bound INS for over 5 years...

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    keith berkley
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    Been going to baja for 45 years. This is best insurance company i have come accross.

  • user logo
    Ryan Perkio
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    I have been using BajaBound Insurance for 15 years - multiple trips per year. Their website is easy, their coverage is great, and the...

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    RaMon McBride
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    I have not had any claims thus far so rating is based on ease of purchase.

  • user logo
    Larry French
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    By far the best service for Mex insurance in Baja. They are personally there for you if you have problems south of the border.

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    Tudor Thomas
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    Baja Bound makes buying insurance for going south of the border as easy as it gets. The website is the easiest I have used and the staff...