Get Mexican Auto Coverage in Minutes

Temporary Mexican Auto Insurance

Comprehensive auto insurance to protect you & your passengers in the event of an accident in Mexico.

SUV in the desert

We can insure your vehicle from one day to one year at a time. We offer temporary policies for liability-only as well as comprehensive coverage for your vehicle.

Policies from one day to one year

Whether its short or long term, we've got you covered!

Comprehensive or Liability-Only Policies

Full coverage policies including theft or liability only policies are available.

It's the Law

The majority of US and Canadian based insurance policies are not recognized in Mexico so you should purchase a temporary Mexican insurance policy before you cross the border with your vehicle. If you are in an accident, damages are assessed at the scene and you must show the ability to pay.

Short-term Car Insurance Mexico

Coverage Options

Comprehensive Coverage

A comprehensive policy covers your liability to other people and property as well as your own vehicle and passengers. Some policies include theft as well, and you can customize the policy limits and deductibles. This is the recommended temporary policy from SmartGringo. Note: vehicles older than 20 years are not eligible for comprehensive coverage and can only get liability coverage.

Liability Only Coverage

Liability-only insurance cost covers damages to other people and property should you be in an accident. It is the most basic temporary coverage and it does not cover damages to your own vehicle. This is the minimum requirement for all vehicles in Mexico.


How it works

Do I need coverage?

Your U.S. and Canadian policies do not cover you while traveling in Mexico. If you are in an accident and do not have Mexican auto insurance, you can be sent to jail, and your US-based policy is not recognized in Mexico. Shop our affordable & best online plans offered to you through the most popular insurance companies in Mexico. There are several options available depending on your needs from our AAA-rated companies. Policies are available to buy for as little as one day to two years and you can customize the quote to your needs including varying deductibles.

What's covered, who's it for?

For U.S., Canadian, and non-Mexican registered vehicles

Purchase coverage for just one day or up to one year

Full coverage or liability-only policies

Purchase up to $1 million for third party liability

Medical payments for you and your passengers

24/7 roadside assistance and towing

24/7 legal assistance and bail bond

Comprehensive policy options

'A' Rated Insurance Companies

We collaborate with top-tier companies. Both Chubb and HDI hold an mxAAA rating from Standard & Poor's.

US/Canadian Repair Rates

Claims are paid according to U.S. or Canadian repair rates and, whenever possible, in U.S. dollars.

Uninsured Motorist Included

Our comprehensive policies include coverage for uninsured motorist property damage.

24/7 Assistance

Bilingual legal, medical, and travel assistance is available 24 hours a day, 7 days a week.

Rental Car Reimbursement

Rental car expenses covered in case of breakdown, accident, or theft.

Mexican Auto Insurance Online FAQs

The majority of US and Canadian based insurance policies are not recognized in Mexico so you should purchase a temporary Mexican insurance policy before you cross the border with your vehicle. If you are in an accident, damages are assessed at the scene and you must show the ability to pay.

All vehicles must carry an insurance policy regardless of the age of the vehicle. Vehicles over 20 years old are only eligible for liability-only coverage but still must have a valid Mexican insurance policy.

Claims are handled in a very similar process as your policy at home where all the information is gathered and the amount of repairs or loss will be determined. You will be able to choose the repair shop of your choice, but claims must be filed before leaving Mexico. If your vehicle is a total loss, the value is determined using Kelley Blue Book and the Nada Guide.

Some auto insurance companies do provide coverage within a specific range of the border but it’s very important to know this before you cross, and you need to check the specifics as to what is covered. Some US companies do not cover vehicle damages or theft in Mexico. Keep in mind, if you do not have this in writing, the Mexican authorities may not recognize it as a legitimate policy, which is why for peace of mind, we recommend a temporary car insurance policy.

Yes! full coverage polices are available and not only cover physical damage and theft to your vehicle, but some options can include medical evacuation and roadside assistance as well. The policies issued by SmartGringo’s partner company is considered “no fault” coverage, so if someone hits you that has no coverage, you are still covered by your policy.

Our policies are very simple to complete, and you can get started with your car registration, driver’s license, the name of your insurance company at home, and your credit card.

SmartGringo is partnered with BajaBound, who have been Mexican insurance specialists for over 25 years and is one of the most trusted insurance companies in the business. 

Policies are issued minutes so you can get Mexican car insurance fast. It usually takes less than five minutes. 

Coverage options typically include liability-only, full coverage (which includes liability, collision, and comprehensive), medical expenses, legal assistance, and roadside assistance. You can customize your policy to fit your needs.

Liability-only policies cover damages you cause to others in an accident. Full coverage policies include liability as well as coverage for your own vehicle in case of collision, theft, and other damages, plus additional benefits like medical expenses and legal assistance.

Rental car coverage must be purchased from the company you rented the car from. 

If you have a full coverage policy, it often includes uninsured motorist coverage, which will help pay for damages if you are hit by an uninsured driver. Liability-only policies may not offer this protection.

Claims are typically processed by local Mexican adjusters. You will need to contact your insurance company’s claims department immediately after an accident, and they will guide you through the process, including arranging for vehicle repairs and compensation.

Yes! Full coverage policies include roadside assistance, which can help with services like towing, tire changes, and emergency fuel delivery. Be sure to confirm that this is included in your policy.

Some policies may have restrictions or higher premiums for coverage in certain high-risk areas. It’s important to review your policy details and speak with your insurance provider about any geographical limitations.

Yes, you can purchase Mexican auto insurance for as short a period as a day or for several months, depending on your needs. Short-term policies are ideal for vacations or brief visits to Mexico.


Looking for something different?

We’ve got a range of other insurance products to protect you and your loved ones while traveling in Mexico.

Mexican Homeowners Insurance

Protect your home or condo with a homeowners insurance policy from the best in the business. 

Medical Evacuation Insurance

When the worst happens, get evacuated to your home country and hospital of your choosing.

Travel Medical Insurance

Medical coverage while traveling to cover those unexpected health needs. Policies from one day to two years.

Before you go...

Did you know our insurance partner, Baja Bound, has over 20 years of trust in the Mexican insurance industry? Get great insurance coverage in less than 5 minutes and see why they have so many happy customers.

Baja Bound logo
Baja Bound logo

SmartGringo thanks you for being awesome, you are being redirected to our exceptional insurance partner, Baja Bound.  You'll be able to get your insurance online through them, and they're around in case you have any questions.   The agents there love insurance and LOVE Mexico!