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Once you cross the border into Mexico, your U.S. or Canadian insurance cannot legally help you prove your financial responsibility. Mexican insurance will instantly show authorities that you are able to pay damages to third parties even if you are not at fault. Our policies are provided by HDI Seguros located in Guanajuato, Mexico (part of the HDI-Gerling and Talanx family of companies) and Chubb Seguros, the Mexican subsidiary of Chubb located in Mexico City. Only those written by a Mexican company are valid.
Our Mexican auto insurance policies offer several coverages, the most important being liability to others. Liability proves financial responsibility in case of an accident. Policies may also include physical damage (collision) to your vehicle, total theft of your vehicle, medical payments for the driver and passengers, legal assistance, bail bond and roadside assistance. Partial theft (of vehicle parts) and vandalism are available on our HDI Premier and Chubb Platinum policies.
U.S. and Canadian auto insurance policies do not prove financial responsibility in Mexico.
The California Department of Insurance has an online publication to help consumers. In their online publication, they state: "Most policies do not provide coverage in Mexico, so if you plan to drive your car there, it's wise to buy that coverage separately."
In the Arizona Department of Insurance's online publication, they state: "Mexican law requires that you purchase separate liability coverage from a Mexican insurer before operating your vehicle in Mexico. Your Arizona personal auto policy may provide some limited coverage on a limited basis (within 25-50 miles of the Mexican border), but this coverage does not meet the insurance requirements of the Republic of Mexico. Failure to purchase proper Mexican liability insurance may result in many hours in a Mexican jail or a heavy fine if you are involved in an accident while operating your vehicle in Mexico."
In case of an accident in Mexico, you are required to prove your financial responsibility at the scene. Mexico's legal requirement for liability in case you are at fault varies by state or sometimes municipality. A new Federal Law in Mexico states that in case of fatalities to third parties, beneficiaries may be paid approximately U.S. $25,000 minimum, and up to $250,000 or more based on the exchange rate. Each state may then enforce this law along with their state laws. Most U.S. and Canadian citizens feel more comfortable with higher liability limits especially if they own homes and/or businesses. We offer liability limits starting at U.S. $100,000 and up to $1 Million, and limits in between.
Yes. Your U.S. insurance company may be able to cover only the damages or theft to your vehicle within a small mileage range into Mexico. They cannot pay damages you legally owe to others in case you are at fault in an accident (liability coverage). If your U.S. insurance company does cover vehicle damage or theft in Mexico, we recommend to obtain this in writing. If they tell you there is liability coverage in Mexico, be wary because this may be misleading. Mexican authorities cannot recognize U.S./Canadian policies which means you do not have coverage according to their legal system.
We offer coverage for cars, pickups, SUV's, vans, motorcycles, motorhomes, and towed items like trailers, boats, ATVs and campers. We also offer watercraft liability for coverage on the water. Policies for those vehicles may be issued from our website. Learn more about our Mexican insurance policies.
If you are looking to insure a bus, box truck, only a trailer or other vehicle, please call our office for assistance. We offer coverage for buses and box trucks that are going to Mexico for non-commercial use, like for mission trips.
Generally, we cannot cover:
In many cases your vehicle will be able to be repaired in the U.S. or Canada. Keep in mind that if the vehicle is not driveable or far from the border, this may not be possible. Each policy has maximum towing limits offered.
A liability-only policy will cover damages you cause to third parties. Unlike a full coverage policy, liability-only does not cover physical damage or total theft of your vehicle. Our liability-only policies also include medical payments for occupants of your vehicle (except for motorcycles and ATVs), legal assistance and bail bond, and roadside assistance (for most vehicles). Keep in mind the majority of drivers in Mexico do not have insurance. If you purchase a liability-only policy and are hit by an uninsured driver, the policy will not cover damages to your vehicle.
A full coverage policy covers physical damage and total theft (deductibles apply) of your vehicle. If you purchase a full coverage Chubb Platinum or HDI Premier policy, the coverage is extended to include partial theft and vandalism (deductibles apply). A full coverage policy also includes a liability limit to cover damages you may cause to third parties, medical payments for occupants of your vehicle (except for motorcycles and ATVs), legal assistance and bail bond, and roadside assistance (for most vehicles). Our full coverage policies are considered "no fault" coverage. In case an at fault uninsured motorist hits you, our policies cover damage to your vehicle.
All of our policies have stated deductibles. The minimum deductible we offer is $500 for physical damage and $1000 for total theft. If you have a physical damage loss (collision), the deductible amount is the amount you will be responsible for paying when the repair is made. If your vehicle was stolen, the deductible is the amount the insurance company will deduct from the vehicle value before paying you and/or your vehicle's finance company.
Partial theft coverage pays for parts and accessories that are permanently attached to a vehicle. Sound and other electronic equipment may not be covered unless originally installed by the vehicle manufacturer. The deductible is $1000 for this coverage and it is only available on our HDI Premier and Chubb Platinum policies.
Partial theft coverage does not cover personal items inside the vehicle such as phones, passports, etc. Personal items may be covered under your homeowner's or renter's policy.
Vandalism coverage will pay for willful and malicious damages to the vehicle. The deductible is $500 for this coverage and it is only available with the HDI Premier and Chubb Platinum policies.
A driver's license policy is a liability-only policy that insures up to 3 drivers. This type of policy is convenient for drivers who have more than one vehicle that they regularly drive. This allows them to have one policy, yet have the flexibility to drive different eligible vehicles. It is important to keep in mind this policy will not cover any damages or theft of the vehicle. This type of policy is only available as an annual policy. Learn more...
Most policies include roadside assistance which is available 24/7 by calling the number listed on the front of your policy. This coverage includes towing, lockout service, jump start service, fuel service, and flat tire service. Legal assistance and bail bond is available 24/7 by calling the number listed on the front of your policy. Legal assistance includes legal defense.
Other benefits offered by the policies may include medical assistance, medical references, land medical transportation, air medical transportation, trip continuation assistance, tourist information.
The claims process is similar to the process in the U.S. After you file the claim, all the relevant information will be gathered and the amount of the loss will be determined. If the vehicle needs to be repaired, a repair shop will be chosen and the repairs will begin. If the vehicle is a total loss, the company will value the vehicle according to pricing guides like the Kelley Blue Book and Nada Guide. Claims must be filed in Mexico before returning to the U.S. Call the number on the face of your policy.
Our underwriters, HDI Seguros and Chubb Seguros pay claims in U.S. dollars and at U.S. repair rates when possible. Why is this important? Some underwriters pay out based on Mexican pesos and Mexican repair rates which means the full cost of the repair will be covered only if your vehicle is repaired in Mexico. With some other underwriters, if you want to repair your vehicle in the U.S. because it is more convenient, you will end up paying the difference because the repair rate in Mexico is much lower than that of the U.S. Generally the payout from some other underwriters only covers one third of the value of the repair if you decide to get the vehicle fixed in the U.S. It is important to know your underwriters and how they pay a claim before purchasing their product.
Maybe. If your rental vehicle is from Mexico, we cannot cover the vehicle because it has Mexican license plates. If your rental is from the U.S., it depends upon the policies of the rental agency. Many agencies offer Mexican insurance and those agencies do not allow us to issue policies for their vehicles. If the agency does not offer Mexican insurance, we can offer coverage, but you must have permission from the rental agency to take the vehicle into Mexico.
Our website offers a list of local San Diego rental agencies who offer our insurance. Many of them will issue a Mexican insurance policy for you.
Yes, but the Secretary of Tourism of Baja California recommends driving your own vehicle. If you do go to Baja in a borrowed vehicle, it is highly recommended to carry a notarized letter of permission from the owner of the vehicle stating that the vehicle may be driven in Mexico by the borrower. This letter may be handy in case Mexican authorities question you about the vehicle being in Mexico. A letter is especially important when the owner of the vehicle is not in Mexico, or the owner is a business or non-profit group.
Yes. If you have a vehicle with a salvage title and would like full coverage, you may value the vehicle by reducing the current market value (the value from Kelley Blue Book or NADA Guide) to 50% of the value of a similar vehicle without a salvage title. Use the reduced value when quoting coverage.
We offer two different types of boat coverage: (1) while the boat is being towed behind your primary vehicle and (2) liability only coverage while the boat is on the water, called watercraft liability.
While being towed, you may cover your boat for liability-only or full coverage. Once the boat has been disconnected from the trailer, the coverage ceases.
The watercraft liability coverage is for recreational sailboats, yachts, powerboats and personal watercraft. It does not cover any damage or theft to your boat since it is a liability-only policy. This policy fulfills the requirements of Mexican marinas. Get a quote.
There is no coverage for vehicles involved in off-roading or racing. However in Mexico there are many dirt roads that are considered conventional roads if they are normally transited and on these types of roads we can offer coverage. There is no coverage on roads that are impassable.
If you have a policy with a specific vehicle listed, then other drivers are covered as long as they have a valid driver's license on their person. You do not need to list additional drivers. It is important to know that Mexican citizens cannot legally drive a U.S. or Canadian registered vehicle without a U.S. or Canadian citizen in the vehicle. If your vehicle requires a vehicle permit, it's important to be aware of Banjercito's rules regarding who is legally allowed to drive.
If you have a driver's license policy where specific drivers are listed, only the listed drivers are covered.
Not unless the Mexican citizen is driving with a U.S. citizen in the vehicle. If not, you risk permanent confiscation by Mexican customs officials who view the vehicle in this situation to be contraband. Read more.
Yes. You may change your policy online until the policy begins. If the policy has already begun, please call our office during business hours.
If your policy has not yet begun, you may cancel your policy anytime online. The entire policy premium will be refunded.
If your policy has already begun, we will assist you with any refund. Refunds are calculated according to the premium earned on the number of days used. Premiums are fully earned by the insurer within the first 20-30 days they are active. We cannot cancel any policies when a claim has been filed. If you would like help canceling a policy, please call our office during business hours.
If you purchase a full coverage policy (covers physical damage and theft) and an at-fault uninsured motorist hits you, your policy will cover damages to your vehicle and medical payments for you and your passengers up to the stated limits on the policy.
A liability-only policy will not cover any damages to your vehicle, but you will have the stated limits of medical payments for you and your passengers.
Yes. If you are looking for full coverage (physical damage and theft coverage) for your motorcycle, we are able to offer coverage for street legal (registered and plated) motorcycles.
If your motorcycle is not street legal, you may purchase liability only (does not cover physical damage or theft) online. If you would like full coverage, we may be able to obtain special approval for you. Please contact our office.
Medical payments for drivers and passengers are not covered. Our coverage is only valid on conventional roads, not off-road, while racing, on beaches, etc.
No. Personal items may be covered by your homeowner's or renter's insurance policy. Generally these types of policies offer worldwide coverage. Contact your carrier for details.
The insurance that comes with the toll offers only limited coverage which includes repairing damage to the toll road and/or to your vehicle if the road is at fault for damage. It will not cover you once you leave the toll road. Read more
To fill out the online form quickly, we recommend having your driver's license, registration, U.S. or Canadian insurance company name, and a credit card handy.
You may also like to read FAQs about our company. If you couldn't find your answer here, please use our contact form or send email to: service(at)bajabound.com.
Excellent
I've used Baja Bound for a number of years to insure both cars and motorcycles on trips I've made to Baja and to central Mexico. The...
Good seevice have use baja bound for many years good price....
fast replies and great price!
Baja Bound was recommended to us by a fellow SCORE racer for the Baja 400 in Ensenada. We insured 12 vehicles with multiple drivers and BB...
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...
So convenient and easy to navigate thru the online process. I'll never use any other Mexican insurance service!
Great coverage options . Price buy and print policy , very quick and easy , highly recommend them when driving in Mexico
Michelle L. is the best Client Care Specialist! I originally purchased a policy a few months ago when we moved to Mexico. Then, my car...
Great service, quick response time.
I have been a customer for years and when I really needed them they stepped up in every way. I had a freak accident to my car and they...
It was simple to purchase coverage and feeling that I was protected.
Quick, easy, well designed website and not just for Baja. Good rates for temporal residente gringos. We’re now living in Jalisco. Printed...
Great service and prices!
I had an awesome experience with Baja Bound. Family owned and highly personal, top notch customer service. I have total peace of mind...
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...
This company is the best 👌
Good service, good products...
Super simple, inexpensive, easy to work with, amicable and great communication
Michelle is so efficient and thorough.
Great company and they use CHUBB which is a top notch insurance company.We got our policy online 30min before crossing the border and were...
Easy insurance for peace of mind
Super easy to sign up for insurance for both our Truck and Four Wheel Pop-Up camper. We had no issues while driving south of the boarder......
Mexican Insurance made easy, I have used Baja Bound Mexican Insurance for all most 5 years, price and ease is great, luckily I have never...
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...
Baja Bound is the easiest way to set up coverage before you head into Baja. Online, 5-mins, you're done! Simple. I insure my truck and...
Signing up for policies is super easy. Never had a claim and hope I don't have to. But the service and process was fast and good.
Easy easy easy... I have my co pilot (wife) set it all up on the drive south to the border. With in minutes we are set to cross the border...
Quick easy to navigate website
Great service!
SIMPLE, STRAIGHTFORWARD. OLD GUYS LIKE THAT. WILL DEFINITELY USE IN 6 MONTHS IF STILL RUNNING AROUND THE WILDS OF BAJA.
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...
They make it very easy to get Mexican insurance.
Took just a few minutes on line. Easy even for a 75 year old
Incredibly fast and painless. Paid about $180 for a month of coverage. It was easier than going on line.
Good coverage in several categories, with an efficient online purchasing experience and low cost. I felt confident going into Mexico on my...
A very easy to use website and good selection and rates. In the 10 years I have travelled in Baja, this is the only site I have used.
Easy, quick and fair prices. Easy to deal with if needed.
Have used different times with different vehicles and each time was very simple - each time we have had to use extra days and was made...
I have been very impressed with the help I received from the insurance. I have used them for years and never needed their help. This time...
Easy to use and good peace of mind.
Baja Bound is #1. They make getting Baja Mexico insurance a pleasure.
Thank God I had a safe trip but it did have me at peace knowing I was fully covered. The staff were friendly and very helpful.
Very knowledgeable and helpful.
We were trying to get an insurance for our RV in Mexico, we come from Europe and we drive with Belgium license plates. I tried a lot of...
I had questions while submitting for Insurance on line so I called them. The customer service agent was exceptional on helping me to get...
Best Mexican Insurance Service Office, always ready to assist customers....Mrs. Yara, the best....👍👌🤝🤝
Baja Bound Mexican Insurance has been an excellent insurance company to use when you drive into Mexico. We have used them for the past 6...
Fast and easy!
Shauna at Baja Bound was AWESOME!! We had specific questions about how to quote the policy based on our vehicle type and she was super...
Good and clean place.
Quick, easy and gr8 pricing .
Very easy to buy Mexican insurance 👌
Easy and affordable.
Wonderful customer service, they made it easy to get my motorcycle insured for a last minute trip into Mexico. Explained the coverage with...
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...
so far so good, however I have read good things about them
Easy to work with 😉. Always courteous and helpful. Have used them for all trips to Mexico. Easy website to navigate
Great service, EZ and reasonbably priced. Been using Baja Bound for many years now. Great company and people!
Easy to obtain, good quality, auto insurance for Mexico.
Great service, whoever answered my call was very helpful. First time using Baja Bound and I was expressed with the service. We'll see in...
Getting a policy was simple, Provided more than provider for price comparison.
Yara is very helpful and explains everything. Love working with companies like this.
Great company, great prices, and even better customer service. We've lived in Baja for 7 years and have used them for the past 6years....
Great company. unlike their competitors, Baja Bound answers the phone and you're talking to a real person. Highly reccomend!
I called Baja Bound and Rigo from customer service was the most helpful person I've ever spoken to! If you get a chance to speak to Rigo...
Great insurance policy experience for our Mexico travels
Easy and fast in less than 10 minutes you could have insurance for Mexico. I have used them for about 8 years already.
Very easy, quick, and professional
Third time working with Baja Bound and they made it easy! Thanks!
Extremely well designed website and a smooth experience! Would recommend to anyone looking for US - Mexico insurance!
Only place to get insurance 👍
Was planning to go to Mexico, but unfortunately my bike broke down. Got very friendly and fast service from Rigo. A full refund within back...
By far the best service for Mex insurance in Baja. They are personally there for you if you have problems south of the border.
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...
Used them for the first time - twice in the past 10 days. LOVED how easy it was to customize my own policy right at my desk, print up the...
Very professional, very helpful, great policy, I couldn't be happier with Baja Mexican Insurance, the friendly smiles and ease of it all in...
I have not had any claims thus far so rating is based on ease of purchase.
SERIOUS.
Super easy to get insurance and had no issues whatsoever.
Easy to buy! I didn’t have to use it, so no clue on that front
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...
Great, easy to use service. I haven't had to file a claim (and hope I never have to) but the online portal is very easy to use, and it's...
Very good ans very fast. We hope all will ben good if we need it.
Baja Bound makes insurance for my occasional weekend motorcycle trips to Mexico easy and affordable. I can buy my previously-purchased...
Easy, fast, and affordable.
Baja Bound Mexico Insurance provided great assistance during our drive into Hermosillo Son. last December 2021. We were victims of...
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...
Had a great experience getting insurance at Baja Bound, before I always stoped at the border to purchase my insurance, not anymore. By the...
Save the hassle of trying to find a Mexican Insurance shop or waiting in line if you do. Baja Bound Mexican insurance on line is quick,...
Changed some money. Good rate and friendly people.
Great policy and easy to get.
2nd time purchasing Bajabound MX insurance while on the road. Super Easy, excellent interactive website via laptop of phone. Quick...
I ALWAYS forget to get insurance on our Mexico trips but Baja Bound makes it so easy- I can do it from my phone in the car on the way and...
Trip was awesome.
Baja Bound Insurance has gone above and beyond for me in their customer care. I was a pain as a customer, bought the wrong insurance, had...
Excellent online and by direct phone. Spanish and English with proven response to questions. Website is very informative about driving in...
(Translated by Google) I like the insurance because you can buy it for a day and it assures you in Mexico for the time you go either up to...
Thank goodness never had to use this. Great interactive website to huy.
I have used Baja Bound for insurance for many years. Their online process is easy and cost efficient. I have never had to use them for an...
I absolutely love this company and site! We travel frequently between Arizona and Puerto Penaso, thus I have used the company multiple...
Very easy process to purchase online. Very reasonable rates. Lots of good insight and helpful information on their website. My wife...
Rigo at the office has been so supportive and awesome, both on e-mail and by telephone. He helped me figure out details of my trip, sort...
Easy to renew my policy after two years. Good database!
Purchasing process was easy. First time I have bought Mexican insurance online. Before I would stop somewhere in San Diego close to the...
2nd year with Chubb. No problems
I've used this company for all my Baja trips. Always super easy and straightforward, and I've never had any issues or problems.
Honestly their app is so fantastic and saves all my info I can literally buy the same insurance for my Baja trips in less than 45 seconds...
Excellent customer service
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....
Reasonable prices and we thought best chance to actually get results if we needed them.
I reapplied for my Baja Bound Mexican car Insurance yesterday and I spoke to Ms. Shauna. This lady processed my application quickly and...
I have used Baja Bound for years. Very easy and affordable.
Great customer service, quick, friendly staff helpfully answered all questions, very patient with my learning curve on a new product. Would...
Convenient, great website, prices are reasonable.
Super easy I just entered my info on line paid $60 for 5 days of coverage and the policy was emailed to me. I never had to use it...
This is an update to my previous review. Baja Bound, unbidden on my part, reached out to me to assist. They coordinated a contact with...
Anytime we cross the border, I go to BAJA BOUND and purchased insurance online. It’s easy and the website is thorough in explaining what...
I recently purchased insurance for my trip with Baja Bound because of their reputation and reviews. Easy enough to purchase and print...
very easy to pay and value is cheaper than GNP and ABA and they offer the same protection thank you!!!
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...
I purchased insurance through them & CHUBB for our trip to San Felipe. Unfortunately, we had to cancel due to our vehicle having an oil...
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...
Very convenient, great price !!
Best insurance I've had so far
No claims but purchase was quick and simple.
My wife and I were in Baja the 1st week of October. Insurance through Baja Bound was quick and easy. Thank you
Easy to buy Mexico car insurance from and good service
Professional and affordable.
Great insurance! Bought one year but was cured in 2 days on my visit to El Sauzal de Rodriguez next to Ensenada. Not an enjoyable place to...
Best Claim Service. Staff went out of their way to resolve and settle an accident claim for me. I recommend Baja Bound having used them for...
Day, night, while they are on vacation. Anytime. They are the best most helpful insurance companies on either side of the border!!! THE...
I have been using BajaBound Insurance for 15 years - multiple trips per year. Their website is easy, their coverage is great, and the...
Been going to baja for 45 years. This is best insurance company i have come accross.
Buying insurance on line is the most efficient way to go.
Baja Bound made it SO EASY to purchase insurance for our one week trip to Tijuana. I would definitely use them again for future trips and...
2nd time I have used this company,, first class service and great price.
Super-easy and instant. Very happy with initial purchase.
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...
Great insurance for your motor trip to Mexico.
Excellent service! Michelle made it so easy for me to purchase a 6 month mexican policy for all of Mexico. A couple quick back and forth...
I wish every company was as easy to deal with as Baja Bound. I ended up staying in Baja longer than expected and it took a 3 minute phone...
Great renewal process, if only south Dakota would do the same for car registration.
Very excellent service, needed insurance for Mexico, price was fair. The custumer service rep was Yara
QUICK and EASY! Get your insurance completed within minutes. Also, you are provided with a complete multi page document in English and...
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...
If you are going to Mexico Baja Bound is excellent. Buy online, good price, good quality. Fast and efficient.
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...
Easiest method of getting Mexican auto insurance. Best rate we found and was setup in no time.
Great service, very helpful people there.
Amazing customer service. Very attentive. Definitely will do business with BAJA BOUND in the future. Thanks.
Easy to get and the price is right
Team were on point, provided inside information, prices were great and they had my proposal already in the system when I called back....
Flawless trip!
Extremely easy to acquire a policy. Many options available. Reasonable rates.
I'm listening to the audiobook of God and Mr. Gomez at this very minute. One of my favorite books. Reading this article was sad but...
(Translated by Google) Hello, excellent service, fast. I don't waste time waiting anywhere else... I'll do it. In line when I go on the...
Easy to renew, offers the best coverage for me to feel comfortable while driving in Mexico.
Great site to get your insurance from the Baja experts.
Easy to use website. We felt so much better having insurance for our family trip to Mexico.
