pixel

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.

4.8 81 Reviews
  • user logo
    Jose Paez
    From logo

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

  • user logo
    Stefano Pensa
    From logo

    I talked with Yara and she was extremely helpful. She took the time to explain the different options available to me and I was able to get...

  • user logo
    JUSTINE SERRANO
    From logo

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

  • user logo
    Christian Minor
    From logo

    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
    From logo

    Easy to work with 😉. Always courteous and helpful

  • user logo
    George
    From logo

    Excellent customer service

  • user logo
    Kellye Pummill
    From logo

    Fast and easy!

  • user logo
    robert kepper
    From logo

    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...

  • user logo
    Jennifer Toups
    From logo

    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...

  • user logo
    Cesar Lopez
    From logo

    Very convenient,  great price !!

  • user logo
    Louis Schneidman
    From logo

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

  • user logo
    Phil Noble
    From logo

    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....

  • user logo
    Jeff Bunker
    From logo

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

  • user logo
    Burrell DeVine
    From logo

    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...

  • user logo
    Nereyda Torres
    From logo

    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...

  • user logo
    james whitmer
    From logo

    Best insurance I've had so far

  • user logo
    Rail1riders
    From logo

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

  • user logo
    Matt B
    From logo

    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...

  • user logo
    Refugio I. Rochin
    From logo

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

  • user logo
    Kelly Carney
    From logo

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

  • user logo
    Slumdog Gump
    From logo

    Changed some money. Good rate and friendly people.

  • user logo
    Jeff G
    From logo

    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...

  • user logo
    don letson
    From logo

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

  • user logo
    len buckholtz
    From logo

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

  • user logo
    Susana Judd
    From logo

    Easy, quick and fair prices. Easy to deal with if needed.

  • user logo
    Seismic Waterfinder
    From logo

    Very excellent service, needed insurance for Mexico, price was fair. The custumer service rep was Yara

  • user logo
    Nicolas Dervé
    From logo

    Very good ans very fast. We hope all will ben good if we need it.

  • user logo
    Blake Glassco
    From logo

    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...

  • user logo
    JohnPaul Gemelli
    From logo

    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
    From logo

    so far so good, however I have read good things about them