Mexican Car Insurance: Insurance Types, Coverage and More

Mexico is truly a tourist’s paradise lying just within reach of a car ride from the US.
The more you travel across Mexico, the deeper you get connected to its incredible culture, food, refreshing shorelines, striking landscapes, and historical beauty.
And the perfect way to get to experience all that Mexico had to offer would be to take a road trip. You can stop where you want, take your time to enjoy any spot and keep going in any direction that calls to you. A road trip would be so much more enjoyable for your adventurous soul, unlike any other packages.
But getting a car ride in a foreign country requires a lot more planning and execution for the sake of safety and regulations. Mexican laws mandate you to insure your car if you want to drive through Mexico.
There are many options and considerations you will have to look into with respect to car insurance. Here is a brief explanation of some of the important considerations for getting car insurance in Mexico.

Liability Insurance

Recent ratifications to Mexican road laws have mandated that every driver on any federal highway must possess a liability only insurance policy.
This policy covers all expenses related to bodily injuries and property damages caused to any third party in an accident where you are at fault.

Full Coverage Insurance

A full-coverage policy covers expenses related to any accidental damage to your vehicle and the medical expenses of passengers. It could also provide more coverage depending on the particular policy you are opting for. Some of the additional coverage options include theft protection, vandalism, and legal assistance, and so on.


Some insurers might be able to provide upgrades to an existing policy if you need a particular expense coverage. The liability limits can also be increased by opting for a policy upgrade. Since 2013, insurers are allowed to offer higher limits of liability.

Financial Stability Of The Insurer

When you are searching for the best car insurance policies in Mexico, do check up on the financial stability of the insurance provider.  You can use the A.M Best and Standard & Poor’s rating services to find the quality of any insurance provider. It is better to go with a provider with at least A rating.
You can also check for the Better Business Bureau (BBB) accreditation for the insurance company as this accreditation is given only to companies that meet strict quality criteria and a long track record of customer satisfaction.

Language Assistance

Check if the insurance policies are offered in English so that you can understand the terms and conditions better. The company should also be able to provide you with bilingual assurance for legal assistance and communications about insurance claims.

Online Services

Having on-the-go online services will be an added advantage. For instance, if the company can allow download of your insurance documents from an online portal. You will find it easy to access them anywhere on the road in case you lose the original documents.

Legal Assistance

Legal assistance has to be an important part of any car insurance policy as it can be helpful in the event of an accident. In Mexico, you will be considered guilty until proven innocent. So make sure your policy, even if it is just a liability-only policy, includes legal assistance and additionally a guaranteed bail bond to keep you safe.
Make sure you compare multiple insurers, their policy terms, premium prices, and coverage options to find the best policy that fits your needs.

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!