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Why Buy Mexican Insurance?

Why Buy Mexican Insurance?

Under Mexican law, motorists are required to have insurance, or "proof of financial responsibility", in the event of an accident, even if you are not at fault. As a foreigner traveling in Mexico, the only way of demonstrating this financial responsibility is to have sufficient real currency to cover damages, or an insurance policy from a Mexican company. U.S. or any other non-Mexican insurance does not cover your liability for potential accidents, nor does it fulfill the basic requirement for insurance according to Mexican law.

  • U.S. and Canadian auto insurance policies are not recognized in Mexico; only policies from a Mexican insurance company are.
  • Each Mexican state sets potential civil and criminal liability amounts a driver would be responsible for in case of a fatality or fatalities to others. The liability amount may be as high as U.S. $300,000 per fatality or more depending upon the state you are traveling in. Read more about the law.
  • A Mexican Insurance policy greatly reduces the financial burden you might come by after an accident and may reduce jail time.
Frequently Asked Questions
Will my U.S. or Canadian insurance cover me in Mexico?

U.S. or Canadian insurance policies are not considered "proof of financial responsibility" under Mexican law. While a few major U.S. insurance companies will temporarily cover damages or theft of your vehicle in Mexico (up to a small distance south of the border) they do not cover damages to third parties (liability). A U.S. insurance policy must be accompanied by at least a liability-only policy from a Mexican insurance company.

It's important to know that your U.S. insurance company may not be an expert on Mexican insurance coverage. Therefore they may not be able to advise you correctly. Read more important points regarding U.S. and Canadian auto insurance policies and how they work (or do not work) in Mexico.

What exactly does Mexican Insurance cover?

In addition to liability and legal assistance coverage, you have the option to add collision and theft coverage and partial theft and vandalism. Most policies also offer roadside assistance. View our description of coverage for HDI Seguros or Chubb Seguros to see what is covered by our policies. You may also like to read our FAQs about Mexican Insurance.

What does "liability" mean and what does it cover?

Liability is an obligation to pay money to parties other than yourself or occupants of your vehicle. The liability component of the insurance covers damages which you might cause to other vehicles or property in an accident. It also covers costs for bodily injuries which you might cause to other parties.

For example, if you caused an accident and were found legally responsible, you would be required to reimburse the driver and passenger in the car you hit for medical expenses they incurred, expenses as determined by the Mexican court, and the value of their vehicle. The liability component of your Mexican insurance policy would pay for any of these expenses up to the limit on the policy.

What do U.S. authorities advise about driving to Mexico?

PDF from the County of San Diego: Travel advisory about Driving into Mexico: Tips for Travelers Who Drive to Mexico.

California Department of Insurance: 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."

Arizona Department of Insurance: In their 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."

4.8 81 Reviews
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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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    Stefano Pensa
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    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...

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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....

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

  • user logo
    George
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    Excellent customer service

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    Kellye Pummill
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    Fast and easy!

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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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    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....

  • user logo
    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...

  • user logo
    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...

  • user logo
    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.

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    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.

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

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

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    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...

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