Purchase Mexican Car Insurance

One of the best ways to buy Mexico Auto Insurance coverage for your vehicle before driving to Mexico.


Purchase Mexican Car Insurance Online

Did You Know?

If you drive to Mexico without proper Mexico Auto Insurance and you are involved in an Auto accident, and you do not have the financial means to pay for damages caused while driving in Mexico, or the proper legal advice, you can spend time in jail until the case is settled.

This can take hours, days, or even weeks. Don’t take chances.

It’s very easy to Quote and Buy our trusted and reliable auto insurance for Mexico online in just a few minutes.

We only work with solid and reputable multi-national insurance companies, such as:

Amigo Mex Insurance chubb

Driving to Mexico

There are a number of reasons why millions of U.S. and Canadian citizens choose to drive to Mexico each year for vacation, business, or medical purposes.

Driving to Mexico offers practical advantages. You have the flexibility to create your own schedule, unburdened by the constraints of plane, bus, or boat itineraries. The freedom to travel at your own pace eliminates the need to coordinate transportation. Moreover, the convenience of spontaneously stopping to explore towns and places adds to the overall appeal.

Curious about driving in Mexico or the necessity of auto insurance for Mexico? Find answers to these questions and more at AmigoMexInsurance.com


Similar to the United States, driving in Mexico without auto insurance for Mexico is against the law. You might be wondering if your U.S. car insurance is valid in Mexico, and the answer is somewhat complex. While certain U.S. insurance providers offer limited coverage like Collision and Total Loss, typically within 30 to 50 miles south of the U.S. border, Mexican regulations mandate that you have Mexican car insurance from a Mexico-based carrier, such as the policies provided by AmigoMex Insurance. So, even if you’re just crossing the border into any border town in Mexico such as Tijuana, Mexicali or El Paso, it’s best not to take the risk and cross the border without car insurance to Mexico.

You may think that driving in Mexico without Mexican auto insurance may not be an issue unless you’re involved in an accident, however, if you are at fault and responsible for any damages or injuries, the consequences could be very significant. You can be given a hefty fine beginning at $1,000 USD, your car can be impounded, you could end up in jail until any injured parties are released from the hospital or any property damages are paid, or a combination of these repercussions plus legal fees.

Nothing ruins a trip like landing in jail, especially considering that you would remain in jail until the matter is settled. Even if you aren’t involved in an accident, but are caught by authorities without car insurance to Mexico due to a traffic infraction, you can still face a fine beginning at $200 USD. Also, depending on where you are in Mexico, dealing with authorities who speak English may be limited, adding a layer of complexity to the situation.


The minimum required Mexican auto insurance liability limits in Mexico vary by State. We always recommend you purchase third-party-liability, with a combined single limit of $300,000 USD or more. This is because any accident that results in the death of an individual outside your vehicle could result in a payment of up to $300,000 USD. Additionally, significant damage to your vehicle or another person’s vehicle would likely cost more than the minimum coverage limit.

AmigoMex Insurance offers policies that not only meet the minimum requirements mandated by Mexican law but also provide comprehensive coverage options, including collision, fire, total theft, bodily injury, property damage, uninsured motorist, medical expenses, legal defense, bail bond, and roadside assistance. Both Full Coverage and Liability-Only policies are available. Purchasing auto insurance to Mexico online with AmigoMex is a quick and straightforward process, with your policy promptly emailed after online purchase, saving you both time and money.


Now that you’re aware that you need temporary car insurance for Mexico and the requirements are according to Mexican law, the next question is where to find suitable car insurance to Mexico. You can acquire Mexican car insurance online or through reputable insurance agencies in Southern California, Arizona, and Texas. While in-person purchases are possible at select insurance agencies, there are convenient alternatives allowing you to secure your policy from the comfort of your PC, mobile device, or tablet.

To purchase car insurance for Mexico, ensure you have the following information on hand: full name, address, and date of birth. Additionally, provide basic details about the vehicle you'll be driving into Mexico, including the year, make, and model, license plate number, VIN number, driver’s license number, and leasing information. If you're towing anything, disclose what it is, such as a boat. The insurance company will also inquire about your planned border crossing date, the purpose of your visit (business or pleasure), and any additional drivers of the vehicle. Alternatively, you can contact us, and we'll gladly collect this information over the phone and promptly email your policy.


In addition to temporary auto insurance for Mexico, traveling to any country comes with individual requirements to enter that country, and Mexico is no different. When you’re traveling to Mexico you will need a passport or passport card. Passport cards are the quickest method for re-entry into the United States and are recommended by the U.S. State Department. If you plan to travel beyond the free zone, you might need a vehicle import permit. However, in the states of Baja or Sonora, no permit is required. Obtain a vehicle import permit online, at the border, or at certain Mexican consulates. Check our blog for requirements on vehicle import permits, and note that a refundable deposit is typically necessary.

Carry your driver’s license with you at all times. Travelers from the U.S. and Canada staying for less than 180 days need a visitor's permit (FMM Card), while stays exceeding 180 days require a Mexican resident visa. Another crucial document is the Multiple Migratory Form, also known as an FMM (Forma Migratoria Multiple). Obtain it online before your trip or at the border. Always keep this form on you as authorities may randomly request it. Failure to present it could lead to serious consequences, including detention.


There you have it! Purchasing car insurance for Mexico is essential and highly recommended when driving into Mexico. Luckily, AmigoMex Insurance offers the best Mexico Auto Insurance in San Diego, San Ysidro, and throughout Southern California, Arizona, and Texas. Supported by AIG and CHUBB, two US-based multinational insurance carriers, and boasting over 25 years of market experience, AmigoMex provides top-notch car insurance to Mexico, covering various vehicles, including sedans, pick-ups, vans, SUVs, rental cars, motorhomes, and motorcycles. Additional coverage features legal assistance, medical expense reimbursement, roadside assistance, and hotel lodging in case of an accident.

AmigoMex also ensures coverage in case of a Total Loss or Total Theft, offering transportation all the way back to your residence in the USA or Canada from any part of Mexico, via auto, bus, or airplane. Now equipped with the necessary information to drive to Mexico, plan your trip in advance and anticipate the myriad attractions the country has to offer. Whether your travel is for vacation, business, or medical reasons, Mexico promises cultural excursions, beach strolls, incredible cuisine, and excellent medical and dental services. Purchase your car insurance for Mexico with AmigoMex!


You’re probably wondering, “Can I drive in Mexico with U.S. insurance?” Technically, yes, but the real question is whether you should. Despite the diverse coverage options offered by United States car insurance policies, they become invalid if you're stopped by Mexican authorities or involved in an auto accident in Mexico. To legally drive in Mexico, you must purchase insurance from a Mexico-based company.

Not having valid insurance can lead to substantial fines and potential jail time. In case of an accident, your time in jail could be prolonged as authorities sort out the details, determine fault, and ensure you can cover damages. Moreover, because liability car insurance isn't obligatory in all parts of Mexico, you might find yourself in a situation where the other driver lacks insurance. Having your own insurance allows you to cover your car repair costs and, depending on the policy, assist with medical bills.

Everyone is required, however, to have “proof of financial responsibility.” Insurance is an accepted form of proof, plus the additional bonus of having coverage for any losses you might have resulting from an accident. Additionally, your car may be impounded, requiring a large payment to retrieve it, not to mention that much, if not all, of these proceedings will be in Spanish.


Acquiring Mexican Car Insurance is a straightforward process that requires some essential information about your vehicle, including make and model, value, desired coverage, duration of your stay in Mexico, the region you'll be driving in, whether you'll be towing anything, and if any driver is under 21. Need your car insurance for Mexico instantly? Discover the simple steps to get immediate coverage.

To obtain instant Mexican car insurance, start by providing a few details for a quick quote. Once you've received the quote, furnish the insurance company with additional information to complete the process. This ensures a swift and hassle-free experience, allowing you to travel with peace of mind and focus on enjoying your time in beautiful Mexico! While you can also purchase car insurance for Mexico before crossing the border, be prepared for premium prices and unnecessary complications when you're eager to kickstart your journey.


Securing temporary Mexican car insurance is a straightforward process offering various coverage options. Tailor your coverage based on your car's value and the level of medical coverage you deem necessary. An agent can assist in determining the ideal coverage by considering medical costs in Mexico. Standard coverage options include a minimum liability limit and uninsured motorist coverage. Additional choices often encompass insurance for theft, vandalism, roadside assistance, legal fees, and bail.

It's generally recommended to opt for a minimum coverage of $300,000 USD. Despite its temporary nature, having ample insurance is crucial in case of unexpected events during your travels. Mexican car insurance typically comes in different packages with daily, semi-annual, or annual pricing. Choose your payment plan based on your travel duration in Mexico.

Wondering about the cost of car insurance for Mexico per day? If you're driving for a few days without plans to return within the year, daily pricing may be the most suitable option. Prices vary based on coverage amounts, but generally, expect to pay around $23 USD for one day or approximately $38-$55 USD for a weekend. Alternatively, an annual policy typically costs around $255 USD.


Beyond obtaining Mexican car insurance, there are several key considerations for driving in Mexico. Much like in the United States, you'll drive on the right-hand side of the road, and stoplights operate similarly. However, it's advised to avoid driving at night due to poorly maintained roads, potential hazards like potholes, and the risk of being stranded.

Highways work differently than in the U.S. - including the prevalence of speed bumps and left-hand exits. In case of road troubles, reach out to the Green Angels at 078. You will likely encounter wild animals on the road, please be sure to keep an eye out for them to keep from hurting them, or you. Just like in many places in the U.S., there are free highways and toll roads. The free highways, also called la libre, are not usually maintained as well as the toll roads, or la cuota. The free highways are also not patrolled as often by police so if you do run into a problem, help may take a long time to come.

City driving in Mexico can be unique, with drivers often not yielding to pedestrians, unconventional use of lanes, and obscured or absent street signs. Being aware of these aspects ensures a safer and smoother driving experience in Mexico.


Embark on worry-free travels with AmigoMex – your ultimate destination for the Best Car Insurance in Mexico. Our reliable coverage and dedicated service redefine peace of mind. Experience the freedom to explore, assured that we've got you covered. Click here to get your quote and hit the road confidently!