Mexican Auto Insurance Explained
Everything you need to know before crossing the border
Coverage Types We Offer
Border Mexican Insurance provides flexible coverage options designed to meet the unique needs of every traveler and cross-border commuter. Whether you're taking a quick day trip or planning an extended stay in Mexico, we have the right protection for you.
Liability-Only Coverage
Perfect for budget-conscious travelers who need essential legal protection. Covers liability for injuries or property damage you cause to others—the minimum required by Mexican law.
Best for: Budget travelers, quick day trips
Full Coverage
Comprehensive protection including liability, collision, theft, and vandalism. Gives you complete peace of mind knowing you're fully protected against all major risks.
Best for: Maximum protection, valuable vehicles
Short-Term Policies
Flexible daily or weekly policies ideal for spontaneous trips or weekend getaways. Get coverage instantly for just the days you need it—no long-term commitment required.
Best for: Day trips, weekend visits, occasional travelers
Extended Coverage
Annual or multi-month policies for frequent travelers and cross-border commuters. Enjoy continuous protection with convenient renewal options and reliable coverage.
Best for: Regular commuters, extended stays, frequent travelers
Not sure which coverage is right for you? Our insurance experts are ready to help.
Call for Your Quote: (619) 428-0095
Your First Trip to Mexico? Here's What You Need to Know
Driving to Mexico for the first time can feel overwhelming. But with the right preparation and knowledge, you'll cross the border with confidence. Border Mexican Insurance has helped countless first-time drivers navigate the journey safely and legally.
Essential First-Timer's Checklist
Documents Needed for Crossing
Bring your valid passport or passport card, vehicle registration, and proof of Mexican insurance. You'll also need your driver's license and vehicle title. Have these documents easily accessible at the border.
What to Do in Case of an Accident
Stay at the scene, call the police immediately, and document everything with photos. Contact your insurance provider right away. Never admit fault. Mexican authorities will file an official report, which you'll need for your insurance claim.
Emergency Contact Numbers
Save the Mexican emergency number (911) and your insurance company's claims line in your phone. Have Border Mexican Insurance's contact information ready: (619) 428-0095. Consider downloading offline maps before you leave.
Tips for Safe Driving in Mexico
Drive during daylight hours when possible, avoid displaying valuables, and stay on well-traveled routes. Follow speed limits strictly and be cautious at toll plazas. Keep your fuel tank at least half full. Mexican traffic laws are strictly enforced with fines payable on the spot.
Pro Tip: The most important step is securing Mexican auto insurance BEFORE you cross. It's required by law and protects you financially. Border Mexican Insurance makes it quick and easy—get covered in minutes at our San Ysidro location.
Call for Your Quote NowCommon Questions Answered
Get clear answers about Mexican auto insurance, coverage options, and our process. We're here to make your border crossing smooth and worry-free.
Mexican auto insurance costs vary based on your vehicle type, coverage level, and trip duration. Liability-only coverage for a day trip is typically affordable, while full coverage for extended stays costs more. We offer flexible options to fit different budgets. The best way to know your exact price is to call us at (619) 428-0095 for a personalized quote. Our team can discuss your specific needs and find the right coverage at the right price.
Yes! You can purchase Mexican insurance right at the border, and we make it convenient. Our office is located at 2004 Dairy Mart Rd, Suite 114 in San Ysidro—just minutes from the border crossing. You can walk in during business hours (Monday-Tuesday, 8:00 AM - 5:00 PM) and get coverage the same day. Many customers stop by just before crossing into Mexico. If you prefer to arrange coverage beforehand, simply call us ahead at (619) 428-0095 and we'll have everything ready for you.
If you're involved in an accident while driving in Mexico with Mexican auto insurance, here's what to do: Stay calm, ensure everyone's safety, and contact local authorities (police) if there are injuries. Document the accident with photos and get contact information from other parties involved. Your Mexican insurance policy covers liability for damages you cause to third parties and, with full coverage, covers your own vehicle damage. Keep your policy documents accessible while driving. When you purchase your policy with us, we provide clear guidance on the claims process and emergency contacts. Call us at (619) 428-0095 before your trip to discuss what to do in case of an accident—we want you fully prepared.
Mexican auto insurance coverage is flexible and designed for your specific trip needs. You can purchase policies for as short as one day or extend coverage for weeks or months. Daily policies are perfect for quick border trips, while longer-term policies work well for extended stays or frequent travel. You choose the duration that fits your plans. Whether you're taking a weekend trip to Baja or staying longer, we have coverage options for you. Contact us at (619) 428-0095 to discuss your trip length and find the right coverage period for your needs.
This is a critical question: U.S. auto insurance does not work in Mexico. Mexican law requires all drivers to carry Mexican liability insurance—it's not optional. Driving without it is illegal and puts you at serious financial and legal risk. If you're in an accident without Mexican insurance, you could face fines, vehicle impoundment, or even jail time. Mexican insurance is your legal requirement and your financial protection. We specialize in making sure you have proper coverage before you cross the border. Call us at (619) 428-0095 to get protected today.
To legally drive in Mexico, you'll need: a valid U.S. driver's license, vehicle registration, proof of Mexican auto insurance, and your vehicle's title or proof of ownership. If your vehicle is financed, bring the lender's permission letter. It's also wise to carry your passport, vehicle inspection documents, and emergency contact information. Mexican insurance is the most critical document—without it, you cannot legally drive. We provide all the documentation you need when you purchase your policy with us. Before your trip, call us at (619) 428-0095 to review what you need to bring and ensure you're fully prepared.
Still Have Questions?
Our team of Mexican insurance experts is ready to answer any questions and help you get covered quickly. Don't let uncertainty delay your trip—reach out today.
Call (619) 428-0095Monday-Tuesday, 8:00 AM - 5:00 PM