Car Insurance for Mexico

Quote for International Auto Insurance in Mexico

If you are relocating to live or work in Mexico, we made getting your car insured simple. We’ve partnered with Mexican carriers to provide you with the best tailored comprehensive Mexican car insurance policy.

Travel around Mexico without a worry with our:

Physical Damage insurance (PD) and
Third-Party Liability coverage (TPL)

GET A QUOTE

Happy traveler leans out the vehicle window while driving along the coast.

Get Mexican Car Insurance
That’s Right for You

Types of Policies

US and Canadian registered vehicles: terms lasting 1 day to 1 year or longer

Diplomatic and Mexican plates: annual terms

What Does Mexico Expat Car Insurance Cover?

Third Party Liability

This Mexican car insurance policy surpasses the legal requirement to drive on the roads. You’ll have protection up to $500,000 USD in civil liability, with jurisdiction in Mexico. For US and Mexican license plates, benefits and coverage adhere to American standards and provide the same or more coverage than traditional Mexican car insurance policies. This also includes broader liability, such as legal defense and bail bonds. Policy coverage and limits (in $USD):

Bodily injury and property damage liability

$300k – $1,000,000 combined single limit per accident

Medical payments

$5k – $15,000 per person / $25k – $75,000 per accident

Legal defense

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

Physical Damage

Our Mexican car insurance policy protects against collision, theft and damage, even political violence. It includes the following features and benefits:

Borderless coverage

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.

Accident Forgiveness

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

Transit Coverage

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

Excess Liability

Ever wonder if your local third party liability coverage will be enough? With excess liability, licensed drivers are covered for liability resulting from bodily injury and/or property damage.

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.

Get a Quote Now

Fill out the form to request a Mexico Car Insurance quote.

Get Your Quote

What You’ll Need to Get a 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

- Cost per day: Coverage for liability only can be as low as $30 USD per day. If you include vehicle coverage, it can be about $42 USD per day.
- Annual cost: Annual liability coverage is around $200 USD per year. If you include vehicle coverage, it’s $500 USD per year.
In most cases, you will need Mexican auto coverage. Check with your US carrier to see if they provide auto coverage in Mexico. If they do, ask them how long their coverage lasts. While some US policies may grant Mexican auto coverage for a certain period, keep in mind that if you’re in a car accident on Mexican soil and have US-based insurance, you are legally required to wait at the scene until the US adjuster arrives.

If you’re a US diplomat, you cannot rely on your US auto coverage; you are required to obtain Mexican auto coverage.
Mexican Federal Liability Law requires all vehicles to have insurance. However, what type of car insurance is mandatory depends on the Mexican state you live in. US Coverage in Mexico can either be very limited or doesn’t qualify.

If you are a US diplomat, there are mandatory liability levels your coverage must meet. The Government of Mexico requires diplomats to have a Third-Party Liability insurance policy that provides a minimum of 750,000 MXP (around $37,500 USD) for material damage, a minimum of 750,000 MXP (around $37,500 USD) for personal damages, and MXP 500,000 (around $25,000 USD) for medical expenses.

Clements Worldwide offers insurance solutions that meet Mexico’s mandatory liability requirements. Reach out to one of our personal insurance advisors to learn more and get the coverage you need: call us at 1.800.872.0067 or 1.202.872.0060, email us at info@clements.com, request a quote, or send your questions via the contact form.

Additional Policies for All Your Needs

Consider these other insurance solutions to protect yourself, your stuff and your family:

Personal Property and valuables insurance icon.

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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 PROPERTY QUOTE

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Get 24-hour protection wherever you are in the world

Find out how international Personal Accident Insurance can provide you with peace of mind.

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