Ex-media spokesman Mexico Tourism. Deemed expert: NY Times, Wall Street Journal, TX Monthly, Guardian (UK), Contenido, Atención.

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Don't forget Auto/RV/Motorcycle Insurance

Romantic getaway or bucket list. Find both in waterfall's mist.

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Travel health / air evac insurance might be prudent. Just sayin'.

Mexican Auto, RV, Motorhome, Motorcycle Insurance

Why You Need Insurance To Drive Mexico

In 2019, liability Limits are higher. You can get a ticket for not having vehicle insurance.

I've been around the Mexican insurance business since the 1980's. I've seen companies come and go. The key is to deal with a US-based agent who has been around and will be around when you need him or her.

I'm not an agent. I receive an advertising fee from this company but have turned down others because I did not feel they were reliable. It's not all about money. It's about integrity.

Mexico Insurance Services with a very dedicated agent/owner in San Diego, CA. writes coverage for the respected Mexican insurance company, Quálitas. Both companies have reputations for rock-solid claims service.

Their rates are reasonable and he offers different types of policies - multiple vehicles, limited territory (like the border states) etc. Recommended especially if you are driving Baja, or have more than one vehicle driven by the same driver. Based in CA, USA. Roadside Assistance included with every policy at no extra charge. Help desk now based in USA. I have called the help desk and found the operator to be intelligent, polite and competent. If you are used to online chat operators who are superficial, you are in for a pleasant surprise.

Why Do You Need Insurance to Drive to Mexico?

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 recommendation helps you decide.

Trustworthy vehicle insurance for your drive to Mexico is priceless. Peace of mind is the most important piece of luggage to pack. I know the owner of this agency. Price is not the only factor to consider when buying insurance for driving to Mexico.

I was young and foolish (and cheap) once. I drove through Mexico and Central America without insurance. I had an accident 300 miles from the border on the return trip. I do not recommend that kind of adventure to anyone. Please, get insurance - even if you get it somewhere else.

Don't Get The Banjercito offered Insurance Online

Banjercito offers an insurance policy if you get a vehicle permit online. Don't fall for it. Get a policy from a USA agent, even if it is not one I recommend. The coverage from the Banjercito-sponsored company is not good, the rates are high, your vehicle can only be fixed in Mexico and you can only get 180 days of coverage. An annual auto, car or RV insurance policy is a much better deal.

Higher Liability Limits Than Before

Much higher insurance liability limits are required in Mexico than a few years ago. The upper limit varies according to the state, but USD$300,000 is considered the lowest "safe" coverage these days, though some agents sell less. The potential liability in Yucatan and Coahuila is the highest at USD$544,000. Here's the deal.

Article 502 of the Labor Law states: "In case of death, the compensation due to persons shall be the amount equal to the amount of “Five thousand {5000} days of The General Minimum Wage or the highest Professional Minimum Wage, plus funeral expenses." [The old law was 730 days of the daily wage or about USD$47,000 per death]. This makes USD$300,000 a prudent minimum coverage and $500,000 is not excessive.

Mexico Insurance Services offers different types of policies - multiple vehicles, limited territory, for instance Baja only.

 

Be Aware When You Compare

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 cheap in all senses of the word. Policies that cover you in only one area of Mexico, like Baja, are legitimately less expensive than all-country policies. If Baja is the only place you are driving, Mexico Insurance Services has a great Baja only policy for you.

You want either at least USD$150,000 CSL or USD$300,000 CSL to be safe and higher is not a bad idea. Do not wimp out on your insurance premium. Save money somewhere else. Actually, the premiums didn't go up all that much from the older, lower limit policies.