Best Mexico Auto Insurance

One of the best ways to buy Mexico Auto Insurance coverage for your vehicle before driving to Mexico.


Did You Know?

If you drive to Mexico without proper Mexico Auto Insurance and you are involved in an Auto accident, and you do not have the financial means to pay for damages caused while driving in Mexico, or the proper legal advice, you can spend time in jail until the case is settled.

This can take hours, days, or even weeks. Don’t take chances.

It’s very easy to Quote and Buy our trusted and reliable auto insurance for Mexico online in just a few minutes.

We only work with solid and reputable multi-national insurance companies, such as:

Amigo Mex Insurance chubb

Driving to Mexico

There are a number of reasons why millions of U.S. and Canadian citizens choose to drive to Mexico each year for vacation, business, or medical purposes.

Driving to Mexico offers practical advantages. You have the flexibility to create your own schedule, unburdened by the constraints of plane, bus, or boat itineraries. The freedom to travel at your own pace eliminates the need to coordinate transportation. Moreover, the convenience of spontaneously stopping to explore towns and places adds to the overall appeal.

Curious about driving in Mexico or the necessity of auto insurance for Mexico? Find answers to these questions and more at AmigoMexInsurance.com

Similar to the United States, driving in Mexico without auto insurance for Mexico is against the law. You might be wondering if your U.S. car insurance is valid in Mexico, and the answer is somewhat complex. While certain U.S. insurance providers offer limited coverage like Collision and Total Loss, typically within 30 to 50 miles south of the U.S. border, Mexican regulations mandate that you have Mexican car insurance from a Mexico-based carrier, such as the policies provided by AmigoMex Insurance. So, even if you’re just crossing the border into any border town in Mexico such as Tijuana, Mexicali or El Paso, it’s best not to take the risk and cross the border without car insurance to Mexico.

You may think that driving in Mexico without Mexican auto insurance may not be an issue unless you’re involved in an accident, however, if you are at fault and responsible for any damages or injuries, the consequences could be very significant. You can be given a hefty fine beginning at $1,000 USD, your car can be impounded, you could end up in jail until any injured parties are released from the hospital or any property damages are paid, or a combination of these repercussions plus legal fees.

Nothing ruins a trip like landing in jail, especially considering that you would remain in jail until the matter is settled. Even if you aren’t involved in an accident, but are caught by authorities without car insurance to Mexico due to a traffic infraction, you can still face a fine beginning at $200 USD. Also, depending on where you are in Mexico, dealing with authorities who speak English may be limited, adding a layer of complexity to the situation.

The minimum required Mexican auto insurance liability limits in Mexico vary by State. We always recommend you purchase third-party-liability, with a combined single limit of $300,000 USD or more. This is because any accident that results in the death of an individual outside your vehicle could result in a payment of up to $300,000 USD. Additionally, significant damage to your vehicle or another person’s vehicle would likely cost more than the minimum coverage limit.

AmigoMex Insurance offers policies that not only meet the minimum requirements mandated by Mexican law but also provide comprehensive coverage options, including collision, fire, total theft, bodily injury, property damage, uninsured motorist, medical expenses, legal defense, bail bond, and roadside assistance. Both Full Coverage and Liability-Only policies are available. Purchasing auto insurance to Mexico online with AmigoMex is a quick and straightforward process, with your policy promptly emailed after online purchase, saving you both time and money.

In addition to temporary auto insurance for Mexico, traveling to any country comes with individual requirements to enter that country, and Mexico is no different. When you’re traveling to Mexico you will need a passport or passport card. Passport cards are the quickest method for re-entry into the United States and are recommended by the U.S. State Department. If you plan to travel beyond the free zone, you might need a vehicle import permit. However, in the states of Baja or Sonora, no permit is required. Obtain a vehicle import permit online, at the border, or at certain Mexican consulates. Check our blog for requirements on vehicle import permits, and note that a refundable deposit is typically necessary.

Carry your driver’s license with you at all times. Travelers from the U.S. and Canada staying for less than 180 days need a visitor's permit (FMM Card), while stays exceeding 180 days require a Mexican resident visa. Another crucial document is the Multiple Migratory Form, also known as an FMM (Forma Migratoria Multiple). Obtain it online before your trip or at the border. Always keep this form on you as authorities may randomly request it. Failure to present it could lead to serious consequences, including detention.

Acquiring Mexican Car Insurance is a straightforward process that requires some essential information about your vehicle, including make and model, value, desired coverage, duration of your stay in Mexico, the region you'll be driving in, whether you'll be towing anything, and if any driver is under 21. Need your car insurance for Mexico instantly? Discover the simple steps to get immediate coverage.

To obtain instant Mexican car insurance, start by providing a few details for a quick quote. Once you've received the quote, furnish the insurance company with additional information to complete the process. This ensures a swift and hassle-free experience, allowing you to travel with peace of mind and focus on enjoying your time in beautiful Mexico! While you can also purchase car insurance for Mexico before crossing the border, be prepared for premium prices and unnecessary complications when you're eager to kickstart your journey.

Securing temporary Mexican car insurance is a straightforward process offering various coverage options. Tailor your coverage based on your car's value and the level of medical coverage you deem necessary. An agent can assist in determining the ideal coverage by considering medical costs in Mexico. Standard coverage options include a minimum liability limit and uninsured motorist coverage. Additional choices often encompass insurance for theft, vandalism, roadside assistance, legal fees, and bail.

It's generally recommended to opt for a minimum coverage of $300,000 USD. Despite its temporary nature, having ample insurance is crucial in case of unexpected events during your travels. Mexican car insurance typically comes in different packages with daily, semi-annual, or annual pricing. Choose your payment plan based on your travel duration in Mexico.

Wondering about the cost of car insurance for Mexico per day? If you're driving for a few days without plans to return within the year, daily pricing may be the most suitable option. Prices vary based on coverage amounts, but generally, expect to pay around $23 USD for one day or approximately $38-$55 USD for a weekend. Alternatively, an annual policy typically costs around $255 USD.

Beyond obtaining Mexican car insurance, there are several key considerations for driving in Mexico. Much like in the United States, you'll drive on the right-hand side of the road, and stoplights operate similarly. However, it's advised to avoid driving at night due to poorly maintained roads, potential hazards like potholes, and the risk of being stranded.

Highways work differently than in the U.S. - including the prevalence of speed bumps and left-hand exits. In case of road troubles, reach out to the Green Angels at 078. You will likely encounter wild animals on the road, please be sure to keep an eye out for them to keep from hurting them, or you. Just like in many places in the U.S., there are free highways and toll roads. The free highways, also called la libre, are not usually maintained as well as the toll roads, or la cuota. The free highways are also not patrolled as often by police so if you do run into a problem, help may take a long time to come.

City driving in Mexico can be unique, with drivers often not yielding to pedestrians, unconventional use of lanes, and obscured or absent street signs. Being aware of these aspects ensures a safer and smoother driving experience in Mexico.

Embark on worry-free travels with AmigoMex – your ultimate destination for the Best Car Insurance in Mexico. Our reliable coverage and dedicated service redefine peace of mind. Experience the freedom to explore, assured that we've got you covered. Click here to get your quote and hit the road confidently!