Car Insurance for Mexico

Get a 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)

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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 Expat Auto Insurance in Mexico 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):

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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.

Expats enter a border checkpoint via car, leaving the United States for a new life in Mexico.

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.”

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How much is car insurance in Mexico? Fill out the form below to request a quote.

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Key Benefits of Mexican Car Insurance

Here are some of the benefits of having 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?

Mexican car insurance works differently than US car insurance in a few key ways:

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

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Yes, you need Mexican car insurance if you plan to drive in Mexico. Your US or Canadian auto insurance policy will not cover you in Mexico.

Mexican law requires all vehicles to have insurance. This is to protect both you and the other drivers on the road in case of an accident. If you’re caught driving in Mexico without Mexican car insurance, you could be fined, have your vehicle impounded, or even arrested. However, what type of car insurance is mandatory depends on the Mexican state you live in.

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: request a quote, or send your questions via the contact form.
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.
Yes, most Mexican car insurance policies include roadside assistance. The specific roadside assistance benefits that are included in your insurance policy will vary depending on the level of coverage you purchase. However, most policies include at least the following basic roadside assistance services:
- Towing
- Jump starting
- Flat tire repair
- Fuel delivery
In addition to these basic services, some Mexican car insurance policies also include additional roadside assistance benefits, such as:
- Lockout assistance if you lock your keys in your car
- Winch-out service if your vehicle gets stuck in a ditch or other off-road situation
- Rental car reimbursement if your vehicle is being repaired after an accident or breakdown
- 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.

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

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