| Get Mexican Car Insurance That’s Right for You
Types of Policies
- US and Canadian registered vehicles: terms lasting 1 day to 1 year or longer
- Diplomatic and Mexican plates: annual terms
| Coverage: Third Party Liability
This Mexican car insurance policy surpasses the legal requirement to drive on the roads. You’ll have protection up to $500,000 USD in civil liability, with jurisdiction in Mexico. For US and Mexican license plates, benefits and coverage adhere to American standards and provide the same or more coverage than traditional Mexican car insurance policies. This also includes broader liability, such as legal defense and bail bonds. Policy coverage and limits (in $USD):
_
01
Bodily injury and property damage liability
$300k – $1,000,000 combined single limit per accident
_
02
Medical payments
$5k – $15,000 per person / $25k – $75,000 per accident
_
03
Legal defense
Up to the limit of liability
_
04
Home Country Rental Car Insurance Expense Reimbursement
We cover the cost of rental car insurance for $12/day up to 21 days when renting a car in the US, Canada or your home country.
_
05
Covers Towing and Labor Reimbursement
Up to $100 USD per disablement, up to $300 USD per policy term.
| Coverage: Physical Damage
Our Mexican car insurance policy protects against collision, theft and damage, even political violence. It includes the following features and benefits:
_
01
Borderless coverage
customizable plans available that enable you to cross borders and travel across the US and Mexico with full protection.
_
02
Protection against uninsured motorists
you won’t be subject to costs (mechanical or cosmetic) caused to your vehicle by uninsured, underinsured, or even hit and run drivers
_
03
Political Violence Coverage
if your car is damaged from riots, strikes, terrorism and other perils, you are covered through Clements’ exclusive Political Violence insurance extension, included with your policy.
_
04
Accident Forgiveness
Your rate stays the same even after your first accident
_
05
Home Country Rental Car Insurance Expense Reimbursement
we cover the cost of rental car insurance for $12/day up to 21 days when renting a car in the US, Canada or your home country
_
06
Customizable Short-term Coverage
for tourists looking for short-term or occasional trip coverage this plan includes most of the above at a pay-as-you-go model. Don’t sacrifice coverage you need while traveling in and out of Mexico!
_
07
Covers Towing and Labor Reimbursement
up to $100 USD per disablement, up to $300 USD per policy term
_
08
Transit Coverage
all risks from departure to arrival available for government clients only
_
09
Optional Coverage for Duty Expenses
to import a replacement vehicle or parts to repair your damaged car
| Excess Liability Coverage
Ever wonder if your local third party liability coverage will be enough? With excess liability, licensed drivers are covered for liability resulting from bodily injury and/or property damage.
_
01
Choose your coverage limits
Starting from $500,000 USD or $1,000,0000 USD in additional coverage, anywhere in the world.
_
02
Backed by the best
Our Mexico car insurance is underwritten by underwriters at Lloyd’s of London.
| What You’ll Need to Get a Quote
- Dates of your stay in Mexico
- Area of Mexico you’ll be in
If you will be driving your personal vehicle, you will also need the following to get a quote for your Mexico car insurance coverage:
- Make, model, year, and market value of your car
- Vehicle identification number (VIN)
- License plate number (US, Canada, Mexico, Diplomatic plates)
Additional Terms & Conditions: 1. Your deductible applies. 2. A standard war exclusion applies
| FAQs
-
Our Mexico car insurance can cover RVs, motorcycles, ATVS, trailers and boats.
-
- Cost per day: Coverage for liability only can be as low as $30 USD per day. If you include vehicle coverage, it can be about $42 USD per day.
- Annual cost: Annual liability coverage is around $200 USD per year. If you include vehicle coverage, it’s $500 USD per year.
-
Mexico auto policies do NOT cover rental vehicles. Our Mexico auto insurance only covers vehicles you own, vehicles you’re financing, or vehicles you’re leasing.
-
Yes, policy claims and customer service are provided in English and Spanish.
-
In most cases, you will need Mexican auto coverage. Check with your US carrier to see if they provide auto coverage in Mexico. If they do, ask them how long their coverage lasts. While some US policies may grant Mexican auto coverage for a certain period, keep in mind that if you’re in a car accident on Mexican soil and have US-based insurance, you are legally required to wait at the scene until the US adjuster arrives.
If you’re a US diplomat, you cannot rely on your US auto coverage; you are required to obtain Mexican auto coverage.
-
We can cover US, Canadian, Diplomatic, and Mexican plated vehicles. Let us know which country your vehicle is registered in.
-
Mexican Federal Liability Law requires all vehicles to have insurance. However, what type of car insurance is mandatory depends on the Mexican state you live in. US Coverage in Mexico can either be very limited or doesn’t qualify.
If you are a US diplomat, there are mandatory liability levels your coverage must meet. The Government of Mexico requires diplomats to have a Third-Party Liability insurance policy that provides a minimum of 750,000 MXP (around $37,500 USD) for material damage, a minimum of 750,000 MXP (around $37,500 USD) for personal damages, and MXP 500,000 (around $25,000 USD) for medical expenses.
Clements Worldwide offers insurance solutions that meet Mexico’s mandatory liability requirements.
| Why Choose Clements?
Our expertise is international coverage. We have been providing insurance to expats since 1947. Our specialists will ensure you are adequately covered while driving abroad.
Other key benefits include:
- Coverage in 170+ countries
- Affordability—coverage that fits your budget
- Global/borderless coverage—your policy automatically adjusts to meet the local insurance requirements in whichever country you are driving
- Policy documents in English
- Claims handled in-house, making the process quick and efficient
- Can include both Physical Damage and Excess Liability coverage
| Contact Us
Still have questions? Fill out the form below and we’ll be happy to answer them.
