Cheap Mexican Car Insurance in 2024 (Unlock Big Savings From These 10 Companies!)

The top cheap Mexican car insurance providers are Progressive, USAA, and AAA, known for their comprehensive and affordable coverage.

These companies excel in meeting the specific needs of travelers driving to Mexico, offering policies that ensure compliance with Mexican law.

Check out insurance savings in our complete cheap car insurance.

Renowned for their reliability and exceptional customer service, they provide peace of mind to travelers seeking robust protection. Choosing one of these trusted providers guarantees thorough coverage tailored to the unique requirements of driving across the border.

If you’re traveling to Mexico, start comparing car insurance quotes today.

#1 – Progressive: Top Overall Pick

Pros

• Affordable Plans: Progressive offers competitive rates starting at $30, making it attractive for budget-conscious consumers.
• Loyalty Rewards: Progressive rewards long-term customers with discounts and perks. Delve into our evaluation of Progressive car insurance review.
• Customizable Policies: Allows customers to tailor their coverage to match their needs precisely.

Cons

• Customer Service Variability: Some customers report inconsistent experiences with customer service.
• Policy Upselling: Users may experience frequent upselling of additional features.

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#2 – USAA: Best for Exceptional Service

Pros

• Superior Customer Service: USAA is renowned for its exceptional customer support and client handling.
• Comprehensive Coverage: Offers a wide range of coverage options that extend beyond basic needs.
• Military Discounts: Special rates and discounts for military members and their families. Unlock details in our USAA car insurance review.

Cons

• Limited Availability: Services are only available to military members, veterans, and their families.
• Higher Rates for Non-Members: Non-military members may find rates higher compared to other insurers.

#3 – AAA: Best for Extensive Network

Pros

• Wide Accessibility: AAA’s extensive network provides accessible service and support across the country.
• Travel Benefits: Members benefit from travel discounts and automotive service discounts. See more details on our AAA car insurance review.
• Complete Auto Solutions: Offers a range of services from insurance to roadside assistance.

Cons

• Membership Requirement: Insurance purchase requires a AAA membership, which comes with an annual fee.
• Mixed Reviews on Claims: Some customers report delays and issues with claims processing.

#4 – Allstate: Best for Customizable Policies

Pros

• Policy Customization: Allstate offers highly customizable insurance policies, allowing detailed coverage preferences.
• Multiple Discounts: Provides various discounts including new car, multi-policy, and safe driving.
• Innovative Tools: Features tools like Drivewise to monitor driving and reward safe behaviors. Discover more about offerings in our Allstate car insurance review.

Cons

• Higher Premiums: Generally, premiums are higher, especially for customers without multiple discounts.
• Complexity in Policy Management: Some users find managing their policies through the platform complex.

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#5 – State Farm: Best for Diverse Coverage

Pros

• Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
• High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
• Wide Coverage: State Farm offers various coverage options tailored to different business needs. Unlock details in our State Farm car insurance review.

Cons

• Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
• Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.

#6 – Nationwide: Best for Policy Discounts

Pros

• Varied Discounts: Nationwide offers a range of discounts, especially beneficial for those holding multiple policies.
• Strong Financial Backing: With an A+ rating, Nationwide is financially stable, ensuring reliability.
• Flexible Policy Options: Provides flexibility in policy terms and coverage options. Check out insurance savings in our complete Nationwide car insurance discount.

Cons

• Customer Service Issues: Some policyholders report less than satisfactory customer service experiences.
• Rate Fluctuations: Customers may experience significant rate changes at renewal.

#7 – Geico: Best for Online Tools

Pros

• User-Friendly Online Interface: Geico is known for its excellent online tools that simplify managing insurance policies.
• Competitive Pricing: Offers some of the most competitive rates in the industry, starting at $60. Discover more about offerings in our Geico car insurance review.
• Fast Claims Processing: The claims process is streamlined and efficient, often handled completely online.

Cons

• Impersonal Service: The focus on online tools can result in less personal customer service.
• Coverage Limitations: Some customers may find the coverage options less comprehensive compared to others.

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#8 – Liberty Mutual: Best for Flexibility Payments

Pros

• Payment Flexibility: Liberty Mutual offers various payment plans that can be tailored to individual financial situations.
• Custom Coverage Options: Customers can choose from a broad range of coverage options to suit their needs. Read up on the Liberty Mutual car insurance review for more information.
• Accident Forgiveness: Includes accident forgiveness policies that prevent rates from increasing after a first accident.

Cons

• Higher Rates: Tends to offer higher rates than some competitors.
• Customer Satisfaction Variability: Some customers report dissatisfaction with the claims process.

#9 – Farmers: Best for Variety Discounts

Pros

• Diverse Discounts: Farmers offers a wide array of discounts, making it easier to reduce premiums.
• Customizable Packages: Allows extensive customization of policies to meet diverse customer needs.
• Effective Claims Service: Generally positive reviews for its prompt and fair claims service. Learn more in our Farmers car insurance review.

Cons

• Pricing: Premiums can be higher without discounts.
• Policy Complexity: Some customers find the policy options and structures complex to understand.

#10 – Travelers: Best for Financial Reputation

Pros

• Strong Financial Health: With an A++ rating, Travelers is known for its solid financial foundation.
• Wide Range of Coverage: Offers extensive coverage options, catering to a wide array of needs. See more details on our Travelers car insurance review.
• Risk Management Services: Provides excellent risk management services that help clients minimize claims.

Cons

• Costly Premiums: Typically, premiums are higher, reflecting the comprehensive nature of coverage.
• Conservative Claim Processing: Some clients find the claims process to be overly conservative and slow.

When planning a trip to Mexico, choosing the right car insurance coverage is crucial. Below is a comprehensive breakdown of monthly rates for both minimum and full coverage by various providers. Learn more in our “Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements.”

Progressive offers the most competitive rates starting at $30 for minimum coverage and extending to $70 for full coverage, making it an excellent option for budget-conscious travelers. On the higher end, Travelers charges $75 for minimum coverage and $115 for full, reflecting its premium service. USAA, tailored towards military personnel and their families, provides substantial value with rates at $35 and $75 respectively.

For those looking for a balance between cost and coverage, companies like Allstate, Nationwide, and State Farm offer mid-range pricing. Allstate’s rates are $45 for minimum and $85 for full coverage, while Nationwide and State Farm offer their services at $55 and $50 for minimum coverage, escalating to $95 and $90 for full coverage, respectively.

Meanwhile, companies like AAA, Geico, Liberty Mutual, and Farmers also present various rates with AAA at $40 and $80, Geico at $60 and $100, Liberty Mutual at $65 and $105, and Farmers rounding out at $70 and $110 for minimum and full coverage respectively. This detailed comparison allows travelers to select an insurance provider that best meets their financial and coverage needs while in Mexico.

Isn’t my U.S. Car Insurance Policy Good in Mexico

While some U.S. policies may have an option for purchasing Mexican auto insurance, simply having car insurance in the United States does not help if you get into an accident in Mexico. Auto insurance is a widely misinterpreted item by travelers who are planning on driving into Mexico.

Visitors either don’t believe they need special insurance when traveling down south or don’t understand the risks and headaches they are potentially putting themselves through if they were to get into an accident south of the border.

If you plan on driving to or in Mexico, getting car insurance should be of paramount importance when putting together your travel itinerary.

According to the California Department of Insurance, the Mexican government does not accept California insurance as Mexican coverage. However, you should check with your current insurance provider to determine what type of territorial or travel insurance is on your policy or could be added to your policy. Also, some insurance companies do provide limited collision and comprehensive coverage for a limited distance into Mexico.

How to Know Whether a Mexican Insurance Company Is Reputable

Follow these steps when researching an American agent who sells Mexican insurance:

• Research on the Better Business Bureau’s Website: Read the reviews and complaints before signing on the dotted line.
• Search “Complaints” or “Reviews” Online: If there is anything bad about this company, it will appear.
• Visit the State’s Department of Insurance Website:  The Department of Insurance will also have any complaints, insolvency issues, or reinsurance facts that may help you make your decision.
• Pull up the Company’s Financial Ratings:  Go to the websites for Standard & Poor’s, A.M. Best, or Weiss Ratings. These financial companies review the stability and financial forecast of every insurance company that is incorporated within and outside of the United States.

If you research the company you are buying Mexican insurance from, you can feel confident in your purchase. You can also buy Mexican insurance from an American agent.

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If the Accident Wasn’t My Fault, Do I Still Need Mexican Auto Insurance

Like in the U.S., although a car accident (read our “Understanding Car Accidents” for more information) may not be your fault, you need to prove you have the financial resources to cover any accident, which means having valid insurance coverage.

In Mexico, a car accident is a felony, and one is guilty until proven innocent, unlike here in the states.

If you don’t have legal counsel to help you get through this seemingly minor event, you may find yourself in a pickle for a longer stretch than you had originally anticipated.

What Sort of Coverage Do I Need if Driving in Mexico

In Mexico, the minimum required coverage is something called third-party (civil) liability insurance, which, in the U.S., we simply refer to as liability. This will cover any injuries or damages caused by you to another individual or property.

Many people recommend getting a minimum of $100,000 coverage, even though that’s not required by law. You want to make sure there is a provision for medical expenses not only for individuals outside of your vehicle but also for the driver and the other vehicle occupants.

Having medical and travel assistance is also an excellent type of coverage you want with your Mexican auto insurance plan. The reason is that visitors who require medical attention usually need to go to a private facility which can be a very costly out-of-pocket expenditure. Also, if your car needs to be towed or if you need general tourist information, this part of the policy will alleviate any concerns you have in these regards.

Car rental coverage is another crucial piece of the policy you want to make sure your car insurance company provides. As stated previously, all accidents in Mexico are deemed as felonies.

Thus, the authorities will need to take your car in to process it as evidence, and it is vital that you are able to obtain a car rental without further expense for the remainder of your time in Mexico, or until your vehicle is returned to you by the authorities.

Without a doubt, make sure you have physical damage and total theft of vehicle covered by your policy.

They are not usually a standard part of all policies, so do your research to ensure these provisions are part of your plan.

Other services you’ll most likely want with your Mexican auto insurance policy are as follows:

• Roadside assistance
• Partial theft and vandalism
• Coverage for uninsured motorists regarding your medical payments

Again, whether the accident is your fault or not, you need to first prove that it isn’t. Without the provisions of legal assistance and bail bonds included in your plan, you could be having a long and difficult stay in Mexico. Discover insights in our “Compare Car Insurance by Coverage Type.”

When Do I Need to Purchase Mexican Auto Insurance Online

Although many cities in Mexico do not require auto insurance, any accidents or speeding violations (read our “How much does a speeding ticket affect car insurance rates?” for more information)that occur in Mexico are under Mexican law. This means that you and your car are at the Mexican government’s mercy, so you should be wise and purchase Mexican auto insurance before entering the country.

Make sure that the insurance you purchase is not only valid in one part of the country, but the entire country if your travel plans extend into multiple cities.

Look for at least $100,000 for combined single limits when purchasing insurance for driving in Mexico. Do not purchase split limits, which are often marketed by Mexican insurance companies. Split limits do not provide comprehensive coverage. Something will be left unpaid: medical bills, car repairs, towing, etc.

You can purchase insurance on a daily basis, which can be as inexpensive as $4 a day. However, six- or twelve-month policies with decent coverage cost around $150-$200.

Travel assistance is usually part of your insurance coverage, which can help you in case you need lodging, towing, or medical care. It is worth adding to your policy whenever you are traveling to a foreign country, especially to Mexico.

Other insurance options include what is known as “Guaranteed Bond & Legal Assistance.” This can be beneficial should you find yourself in a situation where legal advice is necessary or for bonding out of a Mexican jail.

Lastly, if you are towing an RV, boat, or motorcycle, be sure you have coverage on these as well. When purchasing Mexican auto insurance, the coverage does not automatically extend to whatever is attached to your vehicle.

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What Else Do I Need to Know about Mexican Car Insurance

Before you embark on your journey to Mexico, it’s crucial to ensure that your car insurance covers you adequately for the entire trip. Here are some essential tips to keep in mind about Mexican car insurance to guarantee a stress-free travel experience.

• Make sure you have coverage for all of Mexico and not just certain areas.
• Have copies of your policy in your car, hotel, in an email, and with a friend back home.
• Have full coverage under your U.S. auto plan, so you can get full coverage with a Mexican auto insurance provider.
• Motorcycles and boats traveling with you will need physical damage and marine coverage, respectively.

So before you jump in your car and drive to sunny Mexico, compare the car insurance rates of quality providers by typing in your ZIP code below.

Learn more by reading our guide: Travel Car Insurance: Rates, Discounts, & Requirements

Do I Have to Buy Car Insurance to Visit Mexico

You must purchase car insurance to travel to Mexico, even if it’s just for a day. Your current provider may offer temporary travel insurance to add to your policy.

• Even if you’re only going for a day, all foreign citizens must purchase car insurance to drive in Mexico
• Buying Mexican car insurance at the border is a bad idea that is likely to cost you double or even triple the price of shopping online
• You should ask your current insurance provider if they offer temporary travel insurance for Mexico. You may be able to simply add it onto your current policy with little hassle

If you’re an American or Canadian citizen planning to drive for any length of time in Mexico, it’s a good idea for you to purchase short-term Mexican car insurance. Unlike the relationship between the U.S. and Canada, which recognizes one another’s car insurance policies, Mexico does not. In order for you to drive your car south of the U.S. border, you’ll need a separate car insurance policy recognized by the Mexican government.

Fortunately, these types of Mexican car insurance policies are relatively easy to come by and inexpensive. In some cases, your current insurance provider may even be able to write you a separate policy that covers you while you’re in Mexico.

But be sure to check before you leave home because any car insurance company that provides you with a policy must be recognized by the Mexican government. To do otherwise is a violation of Mexican law.

Read more: Compare the Best Car Insurance Companies in Canada

Penalty for Driving in Mexico Without Insurance

So what exactly is the penalty for driving without car insurance in Mexico?

Depending on your source of information, you may understand that it is illegal to drive in Mexico without proper Mexican car insurance; others may say that it’s completely unnecessary, but the truth actually lies in the middle.

Like the U.S., Mexican law simply demands that anyone driving in the country have the financial resources to pay for any damages resulting from an accident. Those financial resources could come from an insurance policy or a very large bank account.

The problem in Mexico however, is convincing the authorities you have the proper financial resources if you cannot produce proof of a Mexican car insurance policy. At the very least, if you don’t purchase insurance and you’re involved in an accident, you’ll probably spend at least some time in jail.

And, by the way, simply carrying large amounts of cash probably won’t help either. Car repairs in Mexico can run into the tens of thousands of dollars just like they do here.

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Purchasing Insurance at the Mexican Border

Since most people don’t realize they need a separate insurance policy before crossing into Mexico, many enterprising individuals have set up offices along the border where insurance is readily available. However, there are a few important things to be aware of:

• First of all, you obviously will not get the best price because these car insurance carriers know that once you walk in their door, you’re stuck. For the best price on Mexican car insurance, you need to shop around in advance of your trip.
• Secondly, the documents issued at the border are often times written in Spanish.

More than anything else, the most important reason to buy your policy well in advance is because if you are not fluent in the language, then you have no way of knowing whether you bought a legitimate car insurance policy or a worthless piece of paper.

If you’re planning just a single day across the border and are willing to take your chances, it’s still a bad idea. Unlock details in our “Travelers Car Insurance Review.”

Purchasing Insurance in Advance

Purchasing your Mexican car insurance in advance is almost as easy as purchasing your regular liability policy. Mexican laws are very straightforward in regard to liability and how much coverage is required. Learn more in our “Is it cheaper to purchase car insurance online?”

A simple Internet search using the appropriate terms will yield several dozen insurance providers who can write a policy for your Mexican trip. As with any type of insurance, shopping around and comparing rates is the best course of action.

When you do buy your Mexican car insurance online, just be sure you receive all the appropriate documents in English and Spanish, and in a timely manner.

An insurance provider of any quality should be able to fax or e-mail you temporary documents until the permanent ones arrive. Always ask for this availability. Furthermore, if you plan to use an insurance carrier whose name you do not recognize, be sure to research the company before you sign up for their insurance. Just like being scammed at the border, it’s easy to be scammed online.

Don’t Travel in Mexico Without Insurance

Even if you’re a very safe driver who has never had an accident, there’s always a first time. Making matters worse is the fact that Mexican drivers don’t necessarily follow the same rules of the road that we do here in the States. Access comprehensive insights into our “Compare Car Insurance Rates by State.”

Whenever you’re driving in a foreign environment, you’re increasing the risk of an accident. That is true for any country you may be driving in. And with jail time a real possibility, it’s not worth the risk. Mexican car insurance policies are very inexpensive and easy to come by, so there’s no real reason to drive south of the border without one.

Start your search for Mexican car insurance quotes, or a standard American policy, by entering your ZIP code in the box below.

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