Get Mexican Car InsuranceThat’s Right for You
Types of Policies
What Does Expat Auto Insurance in Mexico Cover?
Third Party Liability
Bodily injury and property damage liability
$300k – $1,000,000 combined single limit per accident
$5k – $15,000 per person / $25k – $75,000 per accident
Up to the limit of liability
Uninsured motorist bodily injury
$15000 per person / $30000 per accident
Uninsured motorist property damage
$3500 per accident or deductible
customizable plans available that enable you to cross borders and travel across the US and Mexico with full protection.
Protection against uninsured motorists
you won’t be subject to costs (mechanical or cosmetic) caused to your vehicle by uninsured, underinsured, or even hit and run drivers
Political Violence Coverage
if your car is damaged from riots, strikes, terrorism and other perils, you are covered through Clements’ exclusive Political Violence insurance extension, included with your policy.
Your rate stays the same even after your first accident
Home Country Rental Car Insurance Expense Reimbursement
we cover the cost of rental car insurance for $12/day up to 21 days when renting a car in the US, Canada or your home country
Customizable Short-term Coverage
for tourists looking for short-term or occasional trip coverage this plan includes most of the above at a pay-as-you-go model. Don’t sacrifice coverage you need while traveling in and out of Mexico!
Covers Towing and Labor Reimbursement
up to $100 USD per disablement, up to $300 USD per policy term
all risks from departure to arrival available for government clients only
Optional Coverage for Duty Expenses
to import a replacement vehicle or parts to repair your damaged car
Choose your coverage limits
Starting from $500,000 USD or $1,000,0000 USD in additional coverage, anywhere in the world.
Backed by the best
Our Mexico car insurance is underwritten by underwriters at Lloyd’s of London.
Here’s a Tip About Roadside Assistance:
If you’re planning on driving in remote areas of Mexico, it’s a good idea to purchase a Mexican car insurance policy that includes roadside assistance with winch-out service. This will give you peace of mind, knowing that you’ll be able to get help if your vehicle gets stuck.
Be sure to speak to our insurance advisors so you are aware of what specifically is included in the roadside assistance you buy. For example, MexiPass roadside assistance excludes towing if the car is stuck in “ruts or gullies, sand, dirt roads, shortcuts or wetlands.”
Key Benefits of Mexican Car Insurance
It protects you financially in the event of an accident. If you’re at fault for an accident, Mexican car insurance will cover the cost of repairs or replacement for the other driver’s vehicle, as well as any medical expenses incurred.
It protects you from legal liability. If you’re involved in an accident and don’t have Mexican car insurance, you could be sued by the other driver.
It gives you peace of mind. Knowing that you’re properly insured can give you peace of mind while you’re driving in Mexico.
How Does Mexican Car Insurance Work?
Liability insurance is mandatory
In Mexico, all drivers are required to have liability insurance, which covers bodily injury and property damage to others. You can choose the amount of liability coverage you want, but it’s important to note that the minimum required limits are very low. It’s a good idea to purchase more liability coverage, especially if you’re driving a newer or more expensive vehicle.
Physical damage coverage is optional
Physical damage coverage, which covers damage to your own vehicle, is optional in Mexico. However, it’s a very good idea to purchase this coverage if you’re driving a newer or more expensive vehicle, or if you’re planning on driving in more remote areas.
You must purchase a policy specifically for Mexico
Your US or Canadian car insurance policy will not cover you in Mexico. You must purchase a policy that provides local coverage specifically for Mexico. Clements provides this mandatory insurance with several options so you can choose what fits your needs and budget.
When purchasing Mexican car insurance, be sure to compare different policies and prices to find the best coverage for your needs. Our insurance advisors will walk you through the options and help you find the right coverage.
Mexican car insurance is relatively inexpensive, and it’s easy to purchase. Don’t risk driving in Mexico without Mexican car insurance. It’s a small investment that can protect you from a lot of trouble.
What You’ll Need to Get a Quote
Here is what to prepare to get your Mexican car insurance quote:
- Dates of your stay in Mexico
- Area of Mexico you’ll be in
If you will be driving your personal vehicle, you will also need the following to get a quote for your Mexico car insurance coverage:
- Make, model, year, and market value of your car
- Vehicle identification number (VIN)
- License plate number (US, Canada, Mexico, Diplomatic plates)
Additional Terms & Conditions: 1. Your deductible applies. 2. A standard war exclusion applies
Mexico Car Insurance FAQs
Total costs for car insurance in Mexico can depend on multiple factors. A Clements Personal Insurance Advisor can help you find the best coverage for your needs and situation: request a quote, or send your questions via the contact form.
Read more frequently asked questions about car insurance in Mexico:
Additional Policies for All Your Needs
Property Insurance for Expats in Mexico
Homeowners, Renters & Personal Property
Get customizable homeowners, renters, landlords and personal property insurance policy in Mexico to cover your dwelling, possessions, and personal liability and will save you from costly repairs and losses.
Personal Accident Insurance
Get 24-hour protection wherever you are in the world
Find out how international Personal Accident Insurance can provide you with peace of mind.
Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.