How much does Mexican Auto Insurance cost?

If you’re heading to Mexico, you need to know the cost of Mexican Auto Insurance.

Be aware that the U.S. State Department has given warnings about obtaining Mexican auto insurance and staying safe there.

If you plan to drive in Mexico, please make sure you buy Mexican auto insurance because your regular U.S. car insurance won’t provide coverage.

But how much does Mexican Auto Insurance cost?

Let’s try and answer this frequently asked question by tourists to Mexico.

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Crossing the Mexican Border by Car.
Source: travelmexicosolo

Understanding Mexican Auto Insurance

Driving in Mexico requires a different set of rules and regulations compared to the United States or Canada.

One key aspect is the mandatory need for Mexican auto insurance.

Unlike some countries where liability coverage might be optional, Mexico requires all drivers to have liability insurance from a Mexico-based insurance provider.

How Much Is Mexican Car Insurance?

Some folks think their regular car insurance will protect them in Mexico if they have a car accident.

But the truth is, other insurance won’t work, and you’ll be breaking the law if you drive without Mexican car insurance.

Luckily, getting Mexican car insurance is not too expensive or complicated.

The cost of Mexican auto insurance depends on several factors.

For instance, you’ll have different price options for the packages based on how long you’re staying.

You can choose from daily, weekly, or semi-annual packages, depending on your needs.

Choosing a daily or weekly package might seem convenient, but it could end up being more expensive than opting for a longer-term plan.

If you plan to visit Mexico multiple times in a year, it is more economical to consider purchasing an annual policy.

The prices usually vary from 2 dollars to 40 dollars a day, depending on the factors listed below.

Factors that affect the cost of Mexican Auto Insurance

  • How many days are you planning to stay in Mexico?
  • Which specific region of Mexico do you plan to visit?
  • What is the year, make, and model of your vehicle?
  • What is the estimated value of your vehicle?
  • Will you be towing anything like a trailer?
  • Do you need full coverage (mandatory if you have a loan on your vehicle)? Or
  • Does your U.S./Canadian insurance cover you within a certain distance from the border?
An image illustrating how much does mexican auto insurance cost
Road trip to Mexico
Source Instagram @freewayinsurance

What is Covered in a Mexican Car Insurance Policy?

The best coverage policies for driving in Mexico should include the following:

  • Liability Coverage protects you if you are accountable for any harm to others or their property. This insurance is necessary to fulfil the legal conditions for driving in Mexico.
  • Fire and Theft Coverage safeguards your vehicle if it’s stolen or damaged by fire in Mexico.
  • Physical Damage and Collision coverage protect your car in case of an accident, including damage from hitting animals, trees, or rollovers.
  • Legal Service Coverage is essential in case you get detained for causing an accident or driving without insurance in Mexico. It covers legal fees and bail bonds that can amount to thousands of dollars.
  • Roadside Assistance is there to assist if your car breaks down in Mexico, offering services like jump-starting your battery or delivering gas.

Tips for Affordable Mexican Auto Insurance

1. Compare Quotes: Before settling on a policy, it’s advisable to obtain quotes from multiple Mexican insurance providers. This allows you to compare prices, coverage options, and customer reviews to make an informed decision.

2. Plan Ahead: Avoid purchasing insurance at the border, as it can be more expensive. Plan ahead and research insurance options well before your trip to secure the best rates.

3. Understand the Policy: Carefully read and understand the terms and conditions of your Mexican auto insurance policy. Be aware of coverage limits, exclusions, and any additional fees to avoid surprises during your trip.


Investing in Mexican auto insurance is a vital step for any traveller planning to drive in Mexico.

By understanding the factors that influence the cost of insurance and following these tips, you can embark on your journey with confidence, knowing that you’re adequately protected on the roads of this beautiful country.

Safe travels!

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