Get Mexican Auto Coverage in Minutes

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

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.

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.

Liability 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.

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.

Mexican Auto Insurance Online FAQs

What do these temporary policies cover?

Our policies cover liability and legal assistance and you have options to add collision, theft, partial theft, and vandalism to your policy. Roadside assistance is also offered on most policies.

Why won’t my policy from the United States or Canada cover me?

Under Mexican law, policies from the US and Canada are not considered proof of financial responsibility. Some insurance brokers state they will cover damages to your vehicle if it occurs within small distances of the border, but they do not cover damages to other parties.

What IS covered under these liability-only policies?

A liability policy is covering the damages caused to other vehicles or property in the event of an accident, including bodily injuries.

What types of vehicles can be covered?

You can review our services and purchase the best Mexican auto insurance for cars, trucks, SUV’s, vans, motorcycles, and RV’s. We also offer watercraft insurance you can buy for your boat or personal watercraft. Towed items such as trailers with ATV’s or campers can also get temporary coverage.

What’s not covered?

We cannot cover vehicles from Mexico or drivers with a Mexican driver’s license. Vehicles over 20 years old are often only allowed liability-only. Vehicles for race or off-roading are not covered as well as driving on the beach or non-municipal roads.

If I am in an accident, where are repairs made?

Depending on the policy you purchase, you will be able to have your vehicle repaired in the United States or Canada, however, if the vehicle is not driveable, that may not be possible. Temporary policies have a maximum towing distance offered.

How do the deductibles work on these policies?

All policies have stated deductibles and you can select different deductible options and the price will vary accordingly. Some temporary policies allow a percentage to be used instead of fixed deductibles.

How are claims handled?

After you file a claim, the insurance company will send out an adjuster to inspect the vehicle and the amount of the loss will be determined. If repairs are needed, a repair shop will be selected and repairs can begin. If the vehicle is deemed a total loss, the vehicle will be valued using pricing guides like Kelley Blue Book to determine the cost of the vehicle. All claims must be filed in Mexico before returning to the United States or Canada.

How do I buy coverage?

SmartGringo is your best option on where to buy Mexican auto insurance as we allow you to customize your options (deductibles, limits, etc) based on your needs. Click the link below to buy a policy today and get started.

Is SmartGringo My Insurance?

No, SmartGringo works with BajaBound to provide insurance services from the top-rated Mexican insurance companies. Your policy and contract is through them.

Do not cross without coverage. It’s the law.

Your US or Canadian-based insurance is not recognized by Mexican authorities, regardless of what your home-based insurance company says. You could be detained for not having a valid Mexican auto insurance policy.

Protected by the Best

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.

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!