Required to drive in Mexico

Going to Mexico? Go Safer.

U.S. policies don't follow you across the border. We write Mexican auto insurance from top carriers — issued in minutes.

Get Mexico coverage (619) 428-1333
Issued in minutes Bring paperwork, walk out covered
Top carriers Mexico's most trusted insurers
Flexible terms Daily, weekly, or annual
Bilingual service English & Español
Why you need it

Your U.S. policy stops at the border.

Driving into Mexico without valid Mexican auto insurance isn't just risky — it's illegal under Mexican law. Even if your U.S. policy claims to cover Mexico, it's not recognized by Mexican authorities.

  • Driving uninsured in Mexico can result in vehicle impoundment and detention.
  • You're personally liable for all damages and injuries in an accident.
  • Mexico requires insurance from an authorized Mexican carrier — not your U.S. provider.

Your U.S. policy doesn't work here.

Some U.S. carriers offer limited "Mexico coverage" within a few miles of the border — but it's not a substitute for a real Mexican policy and isn't recognized by Mexican law.

Always carry your Mexican policy document in the vehicle. You'll need to show it at checkpoints and in the event of an accident.
Policy duration

Coverage for any trip length

Going for a day or planning to live there? We have the right policy for any kind of crossing.

1 Day

Daily

Perfect for quick day trips or one-time crossings.

1 Year

Annual

Lowest per-day cost for year-round protection.

What's covered

Protection for the whole trip

Our policies can include everything you need to drive safely in Mexico — and a few extras you'll be glad you have.

Third-Party Liability

Covers injury or damage you cause to other people, vehicles, or property in an accident.

Vehicle Damage

Collision, theft, fire, vandalism, and weather-related damage to your own vehicle.

Medical Payments

Helps cover medical expenses for you and your passengers, regardless of fault.

Legal Assistance

Bilingual legal support and bail bond coverage in case of detention after an accident.

Roadside Assistance

Towing, flat tire help, lockout service, and emergency fuel.

Theft Protection

Full coverage policies protect you if your vehicle is stolen or vandalized.

Mexican carriers

Backed by Mexico's top insurers

We write policies through authorized Mexican carriers — recognized at every border, checkpoint, and police stop.

GNP Seguros logo
HDI Seguros logo
Qualitas logo
ABA Seguros
Chubb Seguros
Why Safer for Mexico

Bilingual border experts since 2000

We've helped thousands of drivers cross safely — and we have a Tijuana office to help on both sides of the border.

Border expertise

With offices in San Ysidro and Tijuana, we understand the requirements on both sides of the border.

Bilingual service

We explain coverage and Mexican legal requirements clearly — in English or Spanish, whichever you prefer.

Issued in minutes

Walk-ins welcome. We can issue a policy faster than you can fill up your tank for the drive south.

Competitive rates

We compare multiple Mexican carriers to find you the best price for the coverage your trip needs.

6 locations

From San Ysidro to Indio — there's a Safer office near where you live or where you cross.

Trusted carriers

We only write policies with top-rated Mexican insurers like GNP and HDI — recognized everywhere.

Also worth considering

Cover everything else while you're here

Mexican insurance is just one of the services we handle. Take care of the rest in the same visit.

U.S. Auto Insurance

Need U.S. coverage too? We compare quotes from 40+ carriers — bundle with Mexico for extra savings.

See auto insurance

Instant DMV Services

Need to renew tags or register a vehicle before your trip? Handled on the spot — no DMV line.

See DMV services

Commercial Mexico

Crossing for business? Commercial Mexican auto policies for trucks, fleets, and delivery vehicles.

See commercial coverage
Frequently asked

Mexican insurance questions, answered

Got more questions? Call us at (619) 428-1333 or visit any of our 6 locations.

Do I really need Mexican auto insurance to drive in Mexico?
Yes — it's required by Mexican law. Driving without it can lead to vehicle impoundment, detention, fines, and full personal liability for any damages. Even if you only cross for a few hours, the law applies the moment you're south of the border.
Will my U.S. auto insurance cover me in Mexico?
No. U.S. auto insurance policies are not recognized as valid in Mexico, even if some U.S. insurers offer limited "Mexico coverage" for a few miles past the border. You're still required to have a real Mexican policy from an authorized Mexican carrier.
What's the difference between basic liability and full coverage?
Basic liability (Responsabilidad Civil) is the legal minimum — it only covers damage you cause to other people, vehicles, or property. It does not cover your own vehicle, your medical bills, or your passengers' injuries. Full coverage adds collision, theft, vandalism, medical payments, and legal assistance — meaningful protection if something happens to you on the trip.
How much does Mexican insurance cost?
It depends on three things: your vehicle (make, model, year, and value), how long you're going to Mexico, and the coverage level you choose. Daily policies start at a few dollars; annual policies cost less per day. Call us with your vehicle info and trip dates and we'll give you an exact quote in minutes.
Can I get a short-term policy for a quick trip?
Yes. Policies are available for as little as one day, or for a week, a month, six months, or a full year. Daily and weekly policies are ideal for vacations or quick weekend trips. If you cross frequently, an annual policy almost always costs less per day.
What documents do I need to buy Mexican insurance?
Just four things: your driver's license (any country), your vehicle's current registration, basic vehicle details (make, model, year, value, VIN), and your travel dates and destinations. The whole process takes about 10 minutes from walk-in to policy in hand.
What should I do if I'm in an accident in Mexico?
Stay calm and don't move your vehicle until authorities arrive. Call the emergency number printed on your Mexican insurance policy — they'll send a bilingual adjuster and legal representative to the scene. Follow their guidance and don't sign anything you don't fully understand. Your policy includes legal support specifically for this.
Does my Mexican insurance work in all parts of Mexico?
Yes — policies from authorized Mexican carriers like GNP and HDI are valid nationwide, from Tijuana to Cancún. Some carriers also extend coverage to certain parts of Guatemala and Belize if you're planning a longer trip — just let us know your route when you get your quote.

Cross with confidence.

Stop by any of our six offices or call us — we'll have you covered before you hit the border.

Call (619) 428-1333 Find a location