Limited or no coverage
Most US and Canadian policies offer limited or no coverage once you cross the border, and they don't cover your liability to third parties in Mexico.
Car insurance
Mexican car insurance, in plain English
Whether your car has Mexican or foreign plates, I'll find the right coverage among leading Mexican insurers and help you if you ever have an accident.
Before you drive
Why your policy from home isn't enough
Liability is the law on federal roads
Vehicles on Mexico's federal roads and bridges must carry third-party liability insurance (Article 63 Bis of the federal roads law). Some states have their own requirements.
Accidents are handled differently
In Mexico, adjusters from each insurer come to the scene. Having a Mexican policy and a local advisor makes a stressful moment far easier.
Coverage levels
Liability, limited or full coverage
Mexican insurers offer three common levels. The difference is how much they protect you and your car, not just others.
| Coverage | Liability | Limited | Full (Amplia) |
|---|---|---|---|
| Damage and injury to third parties | ✓ | ✓ | ✓ |
| Legal assistance | Depends | ✓ | ✓ |
| Medical expenses for occupants | — | ✓ | ✓ |
| Total theft | — | ✓ | ✓ |
| Physical damage to your car | — | — | ✓ |
| Glass | — | — | Usually |
Exact coverage, limits and deductibles vary by insurer. I'll show you options side by side.
Insurers
I compare leading Mexican auto insurers
I don't work for one company: I look for the one that fits your car, how you use it and your budget.
Quálitas
HDI
GNP
AXA
MAPFRE
and more
Quote within 24 hours
What I need to quote you
- Your full name
- Your postal code in Mexico
- A photo of the registration (tarjeta de circulación) or title
- Plates: Mexican or foreign
- Your current policy, if you have one
Send my details on WhatsApp
Free and with no obligation
FAQ
Car insurance questions
Does my US or Canadian policy cover me in Mexico?
Usually only in a limited way, if at all, and it won't cover your liability to others in Mexico. You need a Mexican policy, at minimum for third-party liability.
Can you insure a car with foreign plates?
There are policies for foreign-plated vehicles. Requirements depend on your immigration status and the vehicle's temporary import permit. Message me and we'll review your case.
What should I do after an accident?
Call your insurer's claims line from the scene, don't admit fault or negotiate with the other driver, take photos and message me. I'll guide you through the process.
Can I pay monthly?
Yes. Most insurers allow monthly, quarterly or semi-annual payments, sometimes with a small surcharge compared with paying annually.
Will the policy cover me when I drive back to the US or Canada?
Some Mexican policies include liability coverage in the US and Canada; others don't. We'll check it when choosing your policy.
Other coverage you may need
More than insurance: a complete strategy to protect your life in Mexico and everything you've built.