Mexican federal law requires vehicles on federal roads and bridges to carry third-party liability insurance (Ley de Caminos, Puentes y Autotransporte Federal, art. 63 Bis), art. 74 Bis sets a fine for driving without it, and Baja Bound's FAQ says US and Canadian insurance is not considered proof of financial responsibility under Mexican law. If you are looking for a Mexican policy, this site links to auto insurance in Mexico sold by Baja Bound Insurance Services, Inc. (CA License 0D25373). SmartGringo is an affiliate; Baja Bound quotes, sells and services the policy.
Whether you are coming to Mexico for a few days or planning to stay for a year, Baja Bound’s quote form lets you choose the term and the coverage, from liability-only up to policies that add roadside assistance, theft and physical damage. Baja Bound quoted daily terms from one day up, plus 3-month, 6-month and annual terms, on 4 October 2026 (price table).
To get a quote on Baja Bound’s form, its FAQ says to have your driver's licence and registration handy, and that the VIN and plate number are required. You will also need the following details:
- When you will be traveling in Mexico
- What type of vehicle do you want to ensure, and its value
- How long will you stay in Mexico
- Whether you are only traveling to Baja or Sonora, or to all of Mexico
Easily Customize Your Mexico Auto Insurance Policy on the Go
Securing an auto insurance policy in Mexico is not a tough task. All you need to do is collect quotes from various companies, choose the policy that fits you the most, and buy online. You can choose the one with standard coverage options, or go for extended ones – including physical damage, roadside assistance and more. Baja Bound's FAQ says liability-only covers damage you cause to third parties and does not cover physical damage or total theft of your vehicle, while full coverage covers physical damage and total theft (deductibles apply) and includes a liability limit, medical payments for occupants, legal assistance and bail bond, and roadside assistance; only its HDI Premier and Chubb Platinum policies include partial theft and vandalism (Baja Bound FAQ).
Should You Add Bail Coverage?
Baja Bound's auto policies include legal assistance and a bail bond, up to the liability limit, available 24/7 (Baja Bound), so check your quote to see what is included.
You can get Mexico Insurance for Your Motorcycle and RV too!
Planning to go on a months-long motorcycle tour in Mexico? Or moving to a motorhome with your cycle? Baja Bound's FAQ says it can cover street-legal (registered and plated) motorcycles and motorhomes, and towed items like trailers, boats, ATVs and campers; if you will tow a motorcycle and then ride it on conventional roads, two separate policies are required. Full coverage on vehicles or motorhomes over 25 years old is by phone.
What are the Requirements for Driving into Mexico?
We will highly recommend you carry all the related documents with you to be on a safer side. See what you need before you drive into Mexico for the full list. Here is what you should have:
- Liability insurance: federal law requires it on federal roads (art. 63 Bis)
- For the vehicle permit needed beyond the border strip, the Consulate General of Mexico in Montreal's Traveling to Mexico by Land page lists your passport, foreign driver's licence, migration document, title or registration in your name, and lease or credit papers if applicable
How does Auto Insurance Work in Mexico?
If you somehow get into an accident, vehicle insurance will help you out. Call the number on the face of your policy as soon as possible and follow the insurer's instructions on reporting the claim. Baja Bound's FAQ says claims must be filed in Mexico before returning to the US, and its claims page lists the HDI and Chubb claim phone numbers.
The Next Steps
Think no more, and get an insurance policy that suits your needs. Questions about a quote or a policy go to Baja Bound, the broker that sells it.
Know your dates? Price a Mexican policy at Baja Bound.