What Do I Need to Quote Mexico Auto Insurance Online?

A road trip to Mexico is an adventure, whether you’re heading to Baja’s coastline, exploring colonial towns, or enjoying the vibrant culture. But before you cross the border, there’s one essential thing you need: Mexico auto insurance sometimes referred to as temporary Mexican auto insurance, or Mexico Tourist Auto insurance.

Unlike in the U.S. or Canada, your domestic car insurance won’t cover you in Mexico. That’s why getting a policy before you travel is crucial. At MexicoCovered.com, we make quoting and purchasing Mexico auto insurance easy—so you can get covered in just minutes.

Here’s everything you need to know before getting a quote.

How to Get a Mexico Auto Insurance Quote Online

Quoting your policy is fast and easy—just have the following details ready:

1. Travel Details

• Start and End Dates – Your policy will cover you only for the time period you select.
• Policy Activation – Coverage begins at 12:01 AM on your entry date unless purchased the same day, in which case it starts at the exact time of purchase.
• Short vs. Long-Term Coverage – If you frequently visit Mexico, an annual Mexico auto insurance policy can save you money.

2. Vehicle Information

• Year, Make, and Model – These details help determine eligibility and coverage options.
• Vehicle Value – This affects the cost of full coverage. If you’re unsure of your car’s worth, check out our guide on how to determine your vehicle’s value for Mexico auto insurance.

3. Liability Limits

Mexican law requires liability insurance for all foreign drivers. Since 2013, Mexico has increased financial liability limits, meaning accident settlements can exceed $300,000 USD, depending on the state.

How much liability insurance should you choose? We recommend purchasing the highest liability limits you can afford, which ensures better financial protection in case of an accident.

4. Towed Units & Additional Vehicles

Bringing a trailer, boat, or jet ski? Your policy automatically includes liability coverage for these, and you can add full coverage for extra protection.

Towed Vehicles – Coverage Options

• Liability-Only Coverage – Included in every policy for towed trailers, boats, and other units.
• Full Coverage While Towing – You must list each towed unit separately to receive protection for theft or damage.
• Detached Units – Once a unit (e.g., trailer or boat) is unhitched, a separate policy is required for coverage.

For more details on adding your trailer to your policy, read about getting trailers covered on a Mexican auto insurance policy.

What’s Covered by Mexico Auto Insurance?

Your Mexico auto policy generally includes:

• Physical damage & theft – Covers repair costs or the replacement value of your vehicle.
• Liability coverage – Protects you financially if you damage another vehicle or injure someone.
• Legal assistance – Legal assistance covers legal fees if you are involved in an accident.
• Roadside assistance – Provides help for breakdowns, towing, or flat tires. Learn more about MexVisit which is included on all MexicoCovered.com policies.

However, some things aren’t covered by standard policies:

• Off-road driving, racing, or alcohol-related accidents
• High-value vehicles may have limited coverage options
• Damage caused by unauthorized drivers

For a complete breakdown of policy limitations, check out Mexico auto insurance exclusions.

Who Can Drive Your Car in Mexico?

A common question is: Does my policy cover other drivers?

• Some policies allow any licensed driver to operate your vehicle.
• Others restrict coverage to only the named insured on the policy.
• Drivers under 21 or over 80 years old may have coverage limitations.

If you plan to let someone else drive your car, read our post on what happens if someone else is driving your car in Mexico.

How Many Days Will You Be in Mexico?

When quoting your policy, you’ll need to estimate how often you’ll drive in Mexico:

• 30 days or fewer
• 31-90 days
• 90-180 days
• More than 180 days

Purchasing an annual policy is often the best financial decision for long-term stays. Business travelers, snowbirds, and property owners in Mexico can save money with extended coverage instead of repeatedly renewing short-term policies.

If you only travel to Baja or Sonora, you may qualify for a discounted rate—so be sure to mention this when getting your quote.

How to Buy Your Mexico Auto Insurance Online

Getting insured is quick and hassle-free. Here’s how it works:

• Enter your travel dates and vehicle details.
• Select your coverage options.
• Get an instant quote and purchase your policy.

Once completed, you’ll receive your proof of insurance immediately, so you’re ready to go as soon as you cross the border.

Annual Trips or Extended Stays?

If you visit Mexico often, an annual policy offers better savings and flexibility. It allows you to take multiple trips without buying a new policy each time.

FAQs: Common Questions About Mexico Auto Insurance Quotes

Why do I need to provide so much information?

Insurance companies require specific details to:

• Ensure you have the right coverage for your vehicle.
• Determine accurate pricing based on your trip length and location.
• Meet Mexican government and insurer requirements.

How do I know if my vehicle is eligible for full coverage?

Your car must have theft and collision coverage in your home country to qualify for full coverage in Mexico. Otherwise, you can only purchase liability coverage.

Can I adjust my policy after I purchase it?

Yes, but changes may require a new policy. Contact us if you need to extend your trip or modify your coverage.

Get Your Quote Now

Mexico is waiting—make sure you’re covered before you go. The last thing you want is an unexpected incident on the road. With MexicoCovered.com, you can get insured in minutes and enjoy peace of mind on your trip.

Click here to get your Mexico auto insurance quote now.

Why Choose MexicoCovered.com?

• Fast & Easy Quotes – Get covered in minutes.
• Flexible Policies – Choose daily or annual coverage.
• Trusted Provider – Join thousands of satisfied travelers.

Your Mexican adventure starts here—get insured today and drive with confidence!