Reviews of Mexican Auto, RV, Motorhome, Motorcycle Insurance Companies
Mexico and Central America car, motorhome, RV, motorcycle insurance companies compared
Auto insurance is not required to drive in Mexico. If you want to risk having an accident, losing your car, motorcycle or RV and being thrown in jail to save a couple of hundred dollars, that is your right. Personally, I think it is foolish not to buy auto, RV or motorcycle insurance from a Mexican company to drive in Mexico. I hope my reviews of what makes dependable Mexican auto insurance companies will help you decide where to get your Mexico or Central America auto, motorhome, RV or motorcycle insurance.
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.
You see the statement that "Mexico requires automobile insurance" on numerous web sites. Honestly, that is not true. I want you to get insurance, but I also want to tell you the truth. Mexico is one of 4 countries in this hemisphere that do not require auto liability insurance nationally. It is absolutely stupid to drive without insurance, but if you want to be stupid that is your right. However, I have heard (but not verified) that various enlightened Mexican states do require auto insurance, so why take the chance?
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 licenced in all 50 states. 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!
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 Licence" 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 any of the others ($4,000/20,000 included or $6,000/40,000 optional).
Ajo Mexican Insurance in Arizona has the very best prices and dependable coverage for cars, RV's, trailers, boats and motorcycles driving only to Rocky Point or the state of Sonora. They also offer all-Mexico coverage at very competitive prices. RV's and motorcycles particularly will save with them.
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 $100,000 CSL or $150,000 CSL to be safe. Do not wimp out on your insurance premium. Save money somewhere else.
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.
International Insurance Group, Inc. is based in Flagsaff, AZ. I have known the owner, Jim Labelle, for more than a decade. What sets this company apart is the ability to compare several diffreent companies to choose the right insurance policy. All the companies they represent are A-rated. You can click the link above or call IIG at 1-877- 774-2868. Be sure to tell 'em “Mexico" Mike sent you.
Mexico Insurance Services based in San Diego, California is owned by Chuck Lundy who has a sincere interest in Mexico and proudly displays his Better Business Bureau (BBB) membership. He also displays his National insurance license and insurance licenses from the states of California, Arizona, New Mexico, Texas and Nevada. His sincerity and customer service were the reasons I agreed to represent his company. If you own several vehicles, he is the only choice for you. If you just drive in the border states (not just Sonora), he is the only choice for you. If you want higher liability or medical payment limits, he is the best choice for you. Essentially, if you want to custom-make a policy, he is your man. He (and his mother) are remarkably young-looking and good-looking, but don't hold that against them. They have been in business since 2003.
Ajo Mexican Insurance, based in Ajo AZ, owned by Lamar Welker, is the most dependable and least expensive Mexican vehicle insurance (auto, motorhome, trailer, motorcycle) if you are driving to Rocky Point or anywhere in Sonora state. The now offer a policy for driving anywhere in Mexico, but mainly their customers drive to Rocky Point, San Carlos or elsewhere in Sonora state. I use their insurance for my own vehicle, so you can believe me when I say they are dependable. He 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.
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