Reviews of Mexican Auto, RV, Motorhome, Motorcycle Insurance Companies
Mexico insurance companies compared
Auto insurance is now required to drive in Mexico. In November, 2012, Banjercito began requiring auto insurance in order to get a vehicle permit. So, if you didn't get insurance before you left, you will have to buy some from them, on the spot. Their coverage is not great, their rates are high and you can only get 180 days of coverage.
April, 2013. New, much higher liability limits are in effect in Mexico. Most likely some small, undercapitalized companies will go out of business.
It would be foolish not to buy auto, RV or motorcycle insurance from a US agent for a Mexican company before you leave. I hope my reviews of what makes dependable Mexican auto insurance companies will help you decide where to get your Mexico auto, motorhome, RV or motorcycle insurance.
If you don't want to read why I chose the 3 Mexican insurance companies I recommend, but just click and go to my best-selling insurance website, here is the top company overall, in my opinion. The other two below have specialized policies for different types of situations.
Trustworthy vehicle insurance for your drive to Mexico is priceless. Peace of mind while driving in Mexico is the most important piece of luggage to pack. These US insurance agents all represent first-class Mexican auto, RV, motorcycle and motorhome insurance companies. I know the owners of these Mexican insurance companies. Price is not the only factor to consider when buying Mexican auto, RV, motorhome insurance for driving to Mexico. I have driven to Mexico with these Mexican insurance companies, and others. These Mexico auto insurance agencies will treat you right. I make a commission from them, but have turned down other Mexican insurance companies because I did not trust them. So my reviews are honest.
I was young and foolish (and cheap) once. I drove all through Mexico and much of Central America without insurance. I had an accident on 300 miles from the border on the return trip. I do not recommend that kind of adventure to anyone. Please, get Mexican insurance.
Many Mexican insurance companies offer to pay me to recommend their insurance, but I know and trust the Mexico insurance agents I recommend. Frankly, there are only half a dozen main Mexican insurance carriers. There are hundreds of US agents selling the same companies. I worked in the Mexican auto insurance business. I've seen a few Mexican insurance companies and a lot of US agents come and go. Good claims service is the mark of a good Mexico insurance company. These Mexican insurance companies have claims service I trust for my own vehicles.
The short version -- if you don't want to read my Sherlockian reasoning about what makes a good Mexican insurance company, and why these Mexico auto, RV, motorcycle insurance companies are best, just click their names and buy a policy with assurance. Otherwise read on.
International Insurance Group, Inc. is located in Flagstaff, AZ, but licensed in all 50 states. They offer the new, higher liability limits on their web site. They recommend $300,000 liability coverage. I have known the owner of this company for more than a decade and his service is top-notch. They work with several A-rated Mexico Insurance companies to offer Auto and RV Insurance, Homeowners Insurance, Watercraft Insurance. IIG has products that are specifically designed for expats who own homes or condos in Mexico, and also offers Auto Insurance coverages that are not available anywhere in the market. You can quote, purchase, and print your policies via the link above, or you can call IIG at 1-877- 774-2868 and one of their professional staff of over 15 employees will help you. If you call, they will ask you ‘from whom have you been referred?” Be sure to mention “Mexico" Mike!
Ajo Mexican Insurance in Ajo, Arizona (owned by Lamar Welker) has the best prices and represent only a rock-solid Mexican insurance company. They have dependable coverage for cars, RV's, trailers, boats and motorcycles. If you want higher liability limits than $150,000 CSL, get the phone number from their web sit and call to speak to an agent. Tell them "Mexico" Mike sent you.
Ajo Iinsurance web site offers two different products - all of Mexico or Rocky Point or the state of Sonora only. Thus if you are just going to the later, you will save big by their regional policy. Their all of Mexico policies are equally good and inexpensive. Plus, they offer personal service if you need it. RV's and motorcycles particularly will save with them. I use their insurance for my own vehicle, so you can believe me when I say they are dependable. Lamar has been in business since I was a little child (more than 50 years ago) and has lots of repeat business. You cannot find a more dependable insurance agent.
Mexico Insurance Services in San Diego, California has the most diverse coverage of any company I recommend. It offers some unique policies. They have a "limited territory" policy that covers you in Baja and other border states at a very competitive rate, as well as a competitive all-Mexico policy. They also have a unique "Driver's License" policy that covers one individual driving up to 3 vehicles. Their minimum vehicle value is lower than anyone else at $500 and their minimum covered liability is $150,000 and can go up to $300,000. They also offer higher medical payments than many Mexican insurance compaines ($4,000/20,000 included or $6,000/40,000 optional).
You will find several different products relating to driving in Mexico (maps, road logs, travelogues or roadlogs) on my shopping cart, as well as a description of my trip-planning services to help you get the most out of a driving trip to Mexico.
Buyer Beware
I won't say negative things about other Mexican insurance companies, but the most expensive ones aren't worth what they charge. The cheapest ones are worth what you pay -- except companies that specialize in only one area of Mexico, like Sonora or Baja. They may be cheapest and still good. There are some really inexpensive Baja only policies that are reputable, but I don't personally know the agents, so don't recommend them. If Baja is the only place you are driving, my recommendations will be right for you. If you're driving in Sonora or anywhere else in Mexico, I stand by the quality and price of the companies I recommend.
Cheap insurance will generally have a $25,000 or $50,000 liability limit. That was good enough in the 1980's, but not in the 21st century. If you hit a vehicle worth $30,000, $40,000 or $50,000, that does not leave much room for coverage, does it? Make sure you are comparing apples to apples when you compare Mexican insurance policies. You want either at least $150,000 CSL or $300,000 CSL to be safe. Do not wimp out on your insurance premium. Save money somewhere else.
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