Mexican auto insurance, covered to the line.
Quote in a few minutes — print your policy before you go →
Get a quote
Answer a few questions on our insurance partner’s site. No login to start.
Buy in minutes
Pick liability or full coverage and your territory, then pay. Club rates apply.
Print before you cross
Carry the printed policy in the vehicle. Sort it at home, not at the scene.
Why you can't skip it.
Your U.S. or Canadian policy doesn’t satisfy Mexican law. Mexico doesn’t recognize foreign liability insurance, and a “Mexico endorsement” from your home insurer usually doesn’t count either. Mexican liability coverage is required for every driver.
It matters most the moment something goes wrong.
The U.S. State Department warns that drivers in an accident — even a minor one — can be detained while authorities determine fault, and that drivers without recognized insurance are the most likely to be arrested, regardless of who caused it. A real Mexican policy keeps you legal and puts claims support and an attorney on your side.
Your home policy doesn't count
It may cover physical damage to your own vehicle, but the Mexican government won’t accept it as valid proof of liability — endorsement or not.
A real policy does two things
It satisfies the legal requirement, and it backs you with claims support and legal aid on the ground. That’s the difference between a long afternoon and a bad week.
Choose your coverage.
Start with the legal minimum, or add protection for your own vehicle. Not sure which you need? The partner site walks you through it during the quote.
The minimum Mexico accepts
Covers the harm your vehicle causes to others. It’s what the law requires of every driver.
Damage your vehicle causes to other people’s property
Your legal liability if someone outside your vehicle is injured or killed
Medical expenses for the people riding with you
Does not cover damage to your own vehicle
Right for older or lower-value vehicles where you mainly need to be legal and protected against liability.
Everything in liability, plus your vehicle
Adds protection for the rig you’re driving, so a bad day on the road doesn’t come out of your pocket.
Everything in Liability Only
Damage to your own vehicle — collisions and rollovers
Broken glass
Choose the level that fits what you’re driving
Right for newer rigs, motorhomes, and anything you couldn’t easily replace out of pocket.
What you can insure.
Coverage isn’t just for the car in the driveway. Most of what you’d tow, ride, or load up can go on the policy.
Cars, motorcycles & motorhomes
From the daily driver to a full Class A — the rig you’re crossing in goes on the policy.
Trailers & anything you tow
Boat trailers, utility trailers, toy haulers — whatever’s hitched behind you.
Aftermarket extras
List your add-ons and keep the receipts so they’re covered if something happens.
Tow something? List it.
If you tow a trailer and don’t list it on the policy, you can void coverage on it. Add the towed unit when you buy — it’s a two-minute step that saves a real headache.
Pick the right territory.
Coverage can be written for the Baja peninsula or for all of Mexico. If you’re heading to the mainland or taking the ferry across, choose the wider territory so you’re never driving uncovered.
Baja Peninsula
Covers the peninsula end to end, Tijuana to Cabo. Right if your whole trip stays on Baja.
All of Mexico
Covers the mainland too. Choose this if you’re taking the ferry from La Paz across to Mazatlán or Topolobampo, or driving into the interior.
About the vehicle permit
You do not need a Temporary Vehicle Importation Permit to drive the Baja peninsula — the whole peninsula is a free zone. You do need one for mainland Mexico, including if you ferry from La Paz to Mazatlán or Topolobampo.
The permit is separate from insurance and comes from Banjercito only. See Before You Go →
What comes with a Vagabundos policy.
The policy itself is only part of it. What you really want is what stands behind it when something goes wrong.
Legal Aid
A serious accident in Mexico can be treated as a criminal matter, and you can be held until responsibility is settled. One call brings a Mexican attorney to help secure your release and your vehicle’s — and covers legal help if someone outside your vehicle is hurt.
Claims that pay
Insurance is only as good as the claims handling behind it. Ours pays out, on time.
Club rates
Members drive carefully and claims stay low, so the insurer gives the club a rate a walk-up traveler can’t get at the border.
A few things that save time.
Sort these at the kitchen table, not at the border or the scene.
Borrowing or financing the vehicle?
If there’s a lien, your lender will usually want proof the vehicle is insured in Mexico — the policy can list your lienholder. Driving someone else’s vehicle? You’ll generally need a notarized letter of permission from the owner, and unless it’s a driver’s-license policy, the policy needs to be in the owner’s name.
Buy and print before you go
Sort the policy at home, not at the scene. Carry the printed copy in the vehicle so it’s there if anyone asks for it.
Know your terms
Deductible, towing, personal items — read the policy before you leave so there are no surprises if you ever need to use it.
Straight answers.
Does my U.S. or Canadian insurance cover me in Mexico?
It may cover physical damage to your own vehicle, but Mexico does not recognize foreign liability insurance. You need a Mexican policy for the liability requirement.
Is a "Mexico endorsement" enough?
No. It’s not Mexican auto insurance and usually doesn’t meet the mandatory liability requirement, and it often comes with tight limits on distance and number of trips.
What's the difference between Liability Only and Full Coverage?
Liability covers damage and injury you cause to others — the legal minimum. Full coverage adds protection for your own vehicle: collision, rollover, and glass.
Do I need a vehicle permit?
Not for the Baja peninsula. Yes for mainland Mexico. It comes from Banjercito and is separate from your insurance. See Before You Go →
Can I insure a motorcycle, motorhome, or trailer?
Yes. List anything you’re towing when you buy, or you risk voiding coverage on it.
Can you help with a claim?
We’ll explain the policies, terms, and travel questions any time. We can’t adjust or negotiate claims — that’s handled directly with the insurer. Contact us →
Quote, buy, and print your policy in a few minutes.
The regulatory facts on this page were verified against authoritative sources on June 23, 2026. Coverage specifics are set by the insurer.