Best Mexican Car Insurance: Insider Tips and Expert Advice

Most of us do our best to stay out of trouble when we’re behind the wheel. But things don’t always go to plan. That’s where insurance comes in. Getting Mexican car insurance isn’t just the smart thing to do, it’s also legally required for driving in Mexico.

You’re in the right spot to learn how to get the best Mexican car insurance. I’m a legal expert with the knowledge and skills it takes to understand complicated insurance details.

But more importantly, I’ve driven these roads, dealt with the insurance companies, and have talked to real people about their experiences. Plus, I’ve completed hours upon hours of research so you don’t have to.

After reading this, you’ll have all you need to know about the best Mexican auto insurance and what’s right for your needs.

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Buying Cheap Mexican Car Insurance

This article is packed with details about how to buy the best Mexican car insurance. But for those who don’t want to read through all the nitty-gritty, here’s the answer you need: Baja Bound Insurance is without a doubt our top recommendation for how to buy the best Mexican car insurance.

You can trust Baja Bound Insurance as your broker for any car insurance needs. They offer policies for Baja and mainland Mexico. We recommend Baja Bound Insurance with no reservations because they:

  • Only offer policies from the most trusted Mexican insurance companies
  • Have world-class customer service, online portals, and communication
  • Are extremely well-known in the industry, trusted by thousands upon thousands people since 1994

Ready to see how much your Mexican car insurance cost will be? Head over to Baja Bound to get a quote in seconds.

You can then review all the details, including coverage limits and features. And if you’re staying in Baja or Sonora, you’ll snag a serious discount.

Not satisfied? That’s understandable. Shopping around is a great idea. The second Mexico car insurance broker that we recommend is Mexico Insurance Online.

This broker is serious about helping international travelers get their insurance needs covered. And like Baja Bound, it sticks to highly-reputable insurance companies and offers a streamlined service to get your insurance. This is a much larger insurance broker that doesn’t quite have the same personal touch as Baja Bound, but it’s an excellent Mexican insurance broker.

Head over to Mexico Insurance Online right away to see how much your Mexico car insurance cost will be.

The detailed Mexican car insurance quote comparison from Baja Bound

Best Mexican Car Insurance: Top Brokers

We’ll dive into the details of Mexican car insurance and the top brokers further below in this article. But here is a table summarizing the main Mexican car insurance brokers:

Best OverallBaja Bound Mexican InsuranceExpert broker with excellent customer service and online platform only offering policies from the best Mexican insurance companies– Chubb
– HDI Seguros
Best AlternativeMexico Insurance OnlineBacked by a major international insurance company and offers many policy options only from the top-rated Mexico insurers– Chubb
– GNP Seguros
– El Aguila
Subpar InsurersBest Mex InsuranceUses different insurance companies that don’t have as strong of financial stability rankings– HDI Seguros
– Mapfre
– Qualitas
Lacking TransparencySanborn’s Mexican InsuranceA broker that doesn’t provide a lot of details or options about the insurance companies they sell policies forNot transparent (HDI Seguros?)
Identical to the Best AlternativeMex Pro InsuranceNearly identical to our Best Alternative Mexico Insurance Online option, which we prefer– Chubb
– GNP Seguros
– El Aguila
Lacking OptionsLewis and Lewis InsuranceA broker that only provides policies for one Mexican car insurance company, which is a lower-rated company– Quálitas
Not SpecialistsUS Insurers (Geico, Progressive, Allstate, etc.)Usually an add-on service from a US-based carrier that doesn’t specialize in Mexican insurance, better to go with a true expertVarious

The Best Mexican Car Insurance Cost: The Basics

Now let’s discuss one of the most important aspects to any insurance policy, the cost of the premiums (what you pay to the insurance company for coverage).

Like nearly any insurance policy, the premiums differ from situation to situation. So I can’t answer “How much does Mexican auto insurance cost?” with extreme precision. But it is mainly a factor of:

  • The policy terms and included features
  • The length of time you want insurance coverage
  • The value of the asset you want to insure

Policy Terms and Features: Liability vs. Comprehensive

Mexican car insurance is available as:

  • Liability only: Legal requirement that pays others for damage you cause
  • Comprehensive coverage: Extra coverage that helps repair/replace your property

At minimum, you must get liability coverage from a Mexico-based insurance company to drive legally in the country. Driving without this can spell serious trouble.

Note: Have you heard that some US and Canadian policies offer Mexico car insurance coverage? That can be true! But the catch is that non-Mexican policies usually do NOT provide required liability coverage. It’s almost-always property damage coverage and that’s it.

The cost of Mexican car insurance will be significantly more expensive for a comprehensive policy. But if you go with liability-only, your insurance will NOT pay to repair your vehicle. It also won’t cover your loss if the other party has inadequate (or zero) insurance.

For most people driving a high-value vehicle, comprehensive coverage is well worth the cost of the Mexican car insurance. But if you’re only bringing a low-value car to Mexico and don’t care too much about getting reimbursed for repairs or replacing it, then liability-only may be sufficient.

Some aspects to watch out for when buying the best Mexican car insurance include coverage for:

  • Repair rates at US or Canadian costs
  • Vandalism or partial theft (typically only in high-end policies)
  • Roadside and legal assistance

And as usual, the cost of your deductible will impact the premium price. Many Mexico insurance policies offer $500 or $1,000 deductibles. Sometimes it’s the same for any loss, other times different for theft/vandalism vs. accidents.

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The details of a sample car insurance quote from Mexico Insurance Online

Length of Mexican Auto Insurance Policy

The amount of time you want your policy to last is a major factor in the Mexican car insurance cost. Many policies can be purchased with daily rates, 6-month rates, or annual rates. As you’d expect, the longer the policy you get, the lower the daily cost works out to be.

But what might surprise you is that a 3-week policy might be nearly the same exact cost as a 6-month policy. And to add on another 6 months, it might only be ~20% more.

The Mexico car insurance cost is usually heavily loaded to the front of any period.

For the most part, this isn’t something you can control. If you’ll be driving in Mexico for one week, getting a six month policy doesn’t make sense.

However, if there’s a chance you’ll come back for a second visit within the 6-month or even 1-year window, then you should check out the cost of the longer coverage. It could save you hundreds of dollars to get one extended policy instead of two separate ones.

Insider tip: If you end up needing your Mexico car insurance longer than you originally planned, call your broker (like Baja Bound) BEFORE your current policy expires. They can usually extend an existing policy for a significantly lower cost than buying an entirely separate policy. Even if it’s for the exact same period.

Value of Your Insured Vehicle 

Finally, as you can probably guess, the value and type of your vehicle will have a major impact on the cost of the insurance. The more the insurance might have to pay out in the event of a claim, the more it will cost to get that insurance.

This is mostly a factor for comprehensive coverage. But vehicle type can be considered in liability-only policies too. For example, a supercharged rear-wheel drive coupe is more likely to speed and cause an accident than a low-powered family sedan. And the cost of Mexico car insurance will reflect that.

Another issue with many Mexican insurance companies is that some insurers refuse certain vehicles or may only offer liability-only packages.

If you have a very high-end vehicle, such as an Italian hypercar or a high-end German sports car, then you might have to look for a specialty insurance underwriter to get full coverage. It can also help to call the insurance broker because they might have contacts and knowledge that isn’t available through the online portal.

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How To Buy the Best Mexican Car Insurance

The insurance industry can be difficult to navigate if you don’t know what to look for. And failing to identify high-quality vs. low-quality coverage can result in serious problems if you need to make a claim. Let’s take a close look at how you can buy the best Mexican car insurance with confidence.

Insurance Broker vs. Insurance Company

Let’s clear up one critical aspect of how you buy Mexican insurance, the difference between an insurance broker and an insurance company:

  • Insurance broker: Sales agency or person that helps clients find and purchase the best insurance policies. They have little to nothing to do once you sign the contract with the actual insurance company. 
  • Insurance company: The entity that actually provides the insurance policy. This is who you will deal with if you need to file a claim. These are often major corporations with an international presence and verifiable financial solvency.

You can buy insurance directly from the insurance companies. Highly-reputable insurance companies in Mexico include Chubb, HDI Seguros, Grupo Nacional Provincial, and El Aguila.

There are many benefits to buying insurance through a broker, even if the policy is actually from one of these companies. Brokers work for you to find the best insurance. They’ll walk you through the policies and highlight the differences between major insurers and options, usually in a much more transparent way than the insurance company.

Baja Insurance: Everything You Need to Know

The best Mexico car insurance brokers show you options from multiple insurers and in a way you can understand.

When traveling in a foreign country, additional benefits include:

  • Help navigating unfamiliar legal and insurance systems
  • Additional support in your language
  • Established contacts and relationship with insurance company adjusters and representatives

The best brokers, like Baja Bound, provide extremely valuable services. I have personally experienced Baja Bound’s willingness to go above and beyond, including one very tricky claim and many times for general support. And I have read and spoken to countless others about similar positive experiences with this experienced and reputable insurance broker.

Crucial note: Baja Bound Mexican Insurance for Mexico is NOT legal representation. They do all that they can to back their clients. But in nasty insurance situations, sometimes you need to hire a lawyer (abogado in Spanish) to deal with the insurance company on your behalf.

This is another area I’ve had personal experience with as a member of a US-based law firm that handled personal injury cases. Sadly, most insurance companies will fight very hard to avoid paying claims. Sometimes it is absolutely necessary to hire legal representation, in the US, Mexico, and many other countries.

The Best Mexican Car Insurance Companies

Before you buy a policy, you want to be sure that you get one:

  • From a highly-reputable insurance company with a strong financial position
  • With adequate coverage for your needs, including desired deductibles, adequate limits, and all the add-ons you want
  • That offers quality customer service assistance

If you get a policy from a great Mexico insurance broker, you can usually put most of these concerns out of your mind and trust the broker’s judgment. But it’s always nice to be able to verify for yourself.

One of the most important considerations for any insurance policy is the financial solvency of the insurer itself. It’s a difficult business that requires extremely competent fiscal management. That is where major rating agencies,  like A.M. Best & Co. and Standard and Poors (S&P), come in to help.

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Rating agencies inspect the financial competence and solvency of the companies and governments they rate. If a company has well-maintained financial records, well-executed financial strategies, and sufficient capital to cover their liabilities, they receive a high rating.

The best Mexican car insurance policies usually come from one of these companies:

  • Chubb (ABA Seguros)
  • HDI Seguros
  • Grupo Nacional Provincial (GNP)
  • El Aguila

All four of these providers have received just about the highest rating possible from the major agencies. They also have good reputations for offering well-priced policies, and most importantly, paying out for covered claims.

Baja Bound Mexican Insurance provides policies from Chubb and HDI Seguros, while Mexico Insurance Online sticks to Chubb, GNP Seguros, and El Aguila.

As you can see, both of these brokers give you multiple options coming from the best insurance companies. The policies available may be different for your particular situation or if these brokers change insurers.

The Baja Bound Mexican Insurance page for selecting details about your auto

Details for Mexico Car Insurance Policies

We’ve touched briefly on the differences in the features and coverage offered, but let’s go into a little more detail. There are some interesting differences in Mexico car insurance policies. Understanding them can help avoid headaches down the line.

  • US Repair Rates: One that many foreigners look for is the ability to have your vehicle repaired in the United States or Canada. Many of the best policies, like those from Chubb and HDI Seguros (the insurers Baja Bound uses), include US repair coverage as a standard part of their packages.
  • Vandalism or Partial Theft: Another major coverage difference is whether or not the insurer covers vandalism or partial theft, and what the deductible is for this coverage. For example, HDI offers the HDI Standard policy without this coverage but an HDI Premier policy with it.
  • Uninsured Motorist: Most comprehensive policies include coverage for situations when someone causes damage but doesn’t have adequate insurance. Some will waive your deductible in this situation, but others still require you to pay your deductible.
  • Roadside Assistance: Most policies have roadside assistance who can help when things go wrong, even if you don’t get into an accident. Towing coverage is usually based on either a dollar amount of a specific distance.
  • Bilingual Service: Some insurers (not brokers) will provide bilingual staff to help with claims. Others do not. The adjuster that comes to the scene may or may not be bilingual, and often depends on the location of your incident.
  • Transport Home: Many short-term policies offer some coverage for you or your vehicle to be transported home for medical care or repairs. You can also get separate travel insurance that will likely provide more comprehensive coverage, especially for emergency medical needs. Some credit card providers also offer some coverage for getting back home during a trip you paid for with that credit card.

That’s a lot of little details. But thankfully, you don’t have to navigate them alone. Pull your quote on Baja Bound or Mexico Insurance Online and you’ll see the full rundown of details. You can also trust that these brokers will show you what you need to know.

This is where your broker can make a big difference. Certain brokers have well-established relationships with the insurance companies. They can access select adjusters and insurance staff that may be able to provide better service. After all, it’s all about who you know.

Note: Almost all Mexican car insurance policies do NOT cover personal belongings left inside of a car. That is not what vandalism and partial theft cover. These insurance policies are for vehicles and injuries that result from driving. Personal property coverage will be on a different policy.

Don’t forget, as a tourist, you need permission to be legally in the country! For most people, this means getting the FMM Card for Mexico. And yes, this is necessary even for trips to free zones that do not require the TIP for your vehicle, such as Baja and Sonora.

Where To Buy Mexican Car Insurance

If you search on Google for the best Mexican car insurance, you’ll be faced with a long list of insurance brokers and maybe a few insurance companies. They all say they have the lowest policies and best insurance coverage. So how can you know who is best?

The first thing you want to look for is how long they have been in business and who they serve. The best insurance brokers are usually the ones that have been around for decades. They have issued thousands of policies and know what to expect.

You’ll also want to buy from a company that has adequate staffing and customer service. If you don’t see a phone number or can’t get a response about a simple question right away, that’s a bad sign. 

The sales process is usually the place where you’ll be treated the best. So if a company ignores you during the sale, you probably shouldn’t expect much help when you need to make a claim.

This is why we recommend select brokers.

The types of vehicles that Baja Bound offers insurance for

Baja Bound Insurance

I’ve driven many thousands of miles on Mexican roads, both throughout the entire Baja Peninsula and mainland Mexico from Sonora to the Yucatan Peninsula. I’ve driven multiple vehicles I own into Mexico and been behind the wheel of many others.

It’s also my business to care about what others have gone through. I’m a gear-head that loves talking about cars and working on them. So I’ve talked with countless travelers about their experiences breaking down, making insurance claims, and even the dreaded police encounters.

And if there’s one thing I’ve learned, it’s that I trust Baja Bound Mexican Insurance.

This insurance broker started out in 1994 serving people crossing at the San Diego and Tijuana border area. They went online in 1999, well before many other companies took the internet seriously. 

And today, Baja Bound provides insurance policies for Baja and all of Mexico with excellent service.

Baja Bound is regulated by the California Department of Insurance (license number 0D25373). And they are Direct Agents for the insurance companies they sell policies on behalf of. This means they stand behind what they sell and are around to assist with claims.

They only offer policies from Chubb and HDI Seguros, both are financially-stable, high-quality insurance companies. Most of their policies include settling claims in US Dollars when possible and providing US or Canadian labor rates, along with a wide array of other features and possible add-ons.

Baja Bound Customer Service

One of the best things about Baja Bound Insurance is their exceptional customer service. They have knowledgeable representatives a phone call or email away, ready to assist with nearly any insurance need you have. They can help you buy the right Mexican car insurance policy for your vehicle, boat, and even home.

I can personally attest to their staff and have bought policy after policy with them. One time I had my insurance needs slip my mind and realized it on the afternoon of the day it was expiring.

The Baja Bound rep immediately jumped on the phone to talk about the situation with the insurance provider, make sure they were good with extending my policy, and helped me buy it over the phone.

If they would have let the policy lapse, I would have likely had to pay about double the cost to get a new six-month policy. They always put the customer first.

And I’m not the only one. Take to Facebook or other social media and you’ll find story after story of Baja Bound going above and beyond to be there. The company has a serious commitment to customer service.

I have read some unfortunate situations where people didn’t understand Baja Bound’s role and took out their frustration on them for the insurance company not paying a claim as desired. As discussed above in detail, Baja Bound is a broker. 

Even though they go out of their way to help with claims if needed, the insurance company is responsible for handling and paying claims. If the insurance company isn’t doing what you need and there’s a lot of money on the line, hire a reputable local attorney.

The detailed Mexican car insurance quote comparison from Baja Bound

Making Claims With Baja Bound Support

I’ve also been in a tricky situation with a nasty claim in the middle of nowhere mainland Mexico. This claim involved vehicle damage, a bad tow that damaged my vehicle, and extended time in a repair shop.

When I first made the claim, I reached out to the actual insurance company, which was Chubb. They sent out the adjuster to the scene and got the process started. Everything was going well and the adjuster was great. 

But this was an older specialty vehicle that is difficult to work on. And in this remote area, problems started to mount. My vehicle fell off the tow truck, causing more damage. The repair shop showed a lack of knowledge. And the local adjuster also wasn’t being quite as responsive and didn’t quite agree with our observations.

So I called Baja Bound to see if they could be of any help. 

They immediately sent an email to a different team at Chubb, and that team was immensely helpful. They confirmed we could take the vehicle back to the US for repairs since the local shop was having issues. And they took a look at photos and understood our claims better than the local adjuster. They even offered to deal with the tow truck company on our behalf.

I have a lot of faith in Chubb and know that part of the problem was just bad luck in the area we broke down with few options for assistance and an odd vehicle. But being able to use Baja Bound Insurance’s connections and positive relationship with Chubb made the whole situation much easier.

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Get A Quote From Baja Bound

You can get a quote from Baja Bound online with basic details like the date, vehicle information, and area you want to travel. They’ll usually present you with what they think is the best option, but you can also find a “Click Here for More Options” button on the quote page.

Baja Bound provides discounted policies if you are staying in specific zones, such as Baja only or Sonora only. But they also provide coverage for all of Mexico.

I recommend buying a little longer of a policy than you think you might need, just in case anything goes wrong. And sometimes the cost of the six-month policy is the same as shorter periods.

The Baja Bound portal does an excellent job at showing the difference between coverage, what is included, and the specific limits. Carefully review them to make sure they align with your interests.

Get a quote from Baja Bound right away and be prepared for your Mexican travels.

The information needed to get a quote from Mexico Insurance Online

Mexico Insurance Online

Another insurance broker that we like to use is Mexico Insurance Online. This entity is backed by the International Insurance Group, Inc., a US-registered insurance broker (CA License Number 0D06599) that is the parent company behind a few Mexico car insurance brokers and many other international insurance brokers.

You might also be surprised to find out that this entity is behind some of the other big names in the best Mexico car insurance industry. Names like MexPro and even some US-based couriers actually run through International Insurance Group, just like Mexico Insurance Online, which is out top choice for this parent company’s offerings.

Like Baja Bound, Mexico Insurance Online has been helping people obtain Mexican car insurance policies for decades. They started out in 1999 and provide insurance to over 100,000 customers each year.

They stick to three insurance companies, Chubb, GNP Seguros, and El Aguila. All three are well-respected names in the Mexican insurance market and each policy contains all the legal requirements plus many additional benefits.

One thing that’s great about Mexico Insurance Online is that they have a straightforward website. You can get your quote for the best Mexican car insurance in seconds with very little details. Then carefully review the information to see if you want to buy. It’s one of the easiest insurance quotes I’ve ever done.

Then when you’re ready to buy, you’ll go through the usual details about the drivers and a little more information for your vehicle, confirm the coverage, then get your policy. It is a seamless process.

I have no issues recommending Mexico Insurance Online and think it’s a great way to buy insurance.

Contacting Mexico Insurance Online

This entity is owned and operated by International Insurance Group based out of North Royalton, Ohio. They are true international insurance experts, offering many Mexico car insurance policies, plus other insurance coverage within Mexico and in countries all over the world.

You can visit the parent company’s website easily, but you really don’t have to. Everything you need is on Mexico Insurance Online.

You can send an electronic contact form to them with your email and phone number. They also provide a phone number (844-273-5527) to immediately speak with a customer service representative.

I spoke with a live human about Mexico car insurance within about 15 seconds of dialing their number. No long wait times or other problems that can sometimes happen with larger companies.

The representative was knowledgeable and easily walked me through the policy options, the major differences in coverage, and which one suited my needs the best.

They also confirmed that they work in a very similar fashion as other insurance brokers like Baja Bound when claims are needed. The covered party (you) will mostly deal with the actual insurance company (Chubb, GNP, or El Aguila) to file and deal with your claim.

But if things aren’t going to plan, you can contact Mexico Insurance Online for claim assistance. They have existing relationships that may be useful.

As always, the brokers are not attorneys. If things really go bad, you might need to hire Mexican legal representation. 

But overall, the experience I had and the reviews and testimonials I found for Mexico Insurance Online and its parent company were all extremely positive. And best of all, the rates they offer are very competitive. 

The details of a sample car insurance quote from Mexico Insurance Online

Get a Quote Instantly with Mexico Insurance Online

If you want to get one of the quickest possible quotes, check out Mexico Insurance Online. You can find the cost of a Mexico car insurance policy within seconds. Then fill out the rest of the checkout policy in minutes and be all set for your big trip!

What I really like about this company is that they understand the international needs of travelers. Dealing with insurance claims can be tricky even in your home country. Going to a different country and needing insurance is another level of complications. But they are there to help you out.

Other Mexico Car Insurance Brokers

There’s no shortage of Mexican car insurance brokers. Many of them are available to connect you to the insurance companies. And at the end of the day, the most critical aspect is getting your policy from a high-quality insurer, not the broker.

Baja Bound and Mexico Insurance Online are the two brokers I trust. And in any case, I recommend getting a policy from Chubb, HDI Seguros, GNP, or El Aguila. These are the names that most people trust the most with the ratings to back it up.

In this section, I’ll go through some other major brokers and what it’s like to buy insurance through them. I have no problem admitting that I’m very picky and many people have used these brokers with complete satisfaction. But I’m here to dive deep into the details so you can get the best Mexico car insurance.

A screenshot from BestMex Mexico car insurance

Best Mex

Best Mex is another fairly well-known broker. But I am not so thrilled about them. And it’s for a very important reason: the insurance companies that they work with include some names that aren’t as quite reputable.

You can buy policies from HDI Seguros through Best Mex, which is great.

But Best Mex also offers policies from Mapfre and Qualitas. Both of the Mexican car insurance costs were lower for these two companies, but since I wasn’t familiar with them, I took a look into their financial stability and overall ratings. 

I found that they fall in the “B” rating categories, which is a big step down for the “A” level categories at the top (these are a simplified version of the rating system, not the precise ratings). This doesn’t mean they are about to go bankrupt and are horrible companies, but it is a little concerning. And just doesn’t stack up against the available competition.

When you’re buying insurance, you’re trusting the company to provide financial compensation. Buying a low-priced policy from a company that isn’t in the best financial position sort of defeats the entire purpose.

If you do go with Best Mex, I suggest sticking with HDI Seguros for better peace of mind.

A screenshot from Sanborn's Mexico car insurance

Sanborn’s Insurance

Sanborn’s Insurance is another major Mexico car insurance broker, with roots in Texas. It now has over 20 locations throughout Texas, California, Arizona, Mexico, and Panama. I like that this broker has a lot of experience and many physical locations.

But there is one glaring omission from Sanborn’s website: detailed information about the insurance companies they represent.

Sanborn’s homepage has logos of major insurance companies, including the HDI Seguros logo. But when I put in multiple quotes, I’m offered one price for the specific dates I entered, then two other options for longer term policies. All without the insurance company information.

I then reviewed nearly every page on Sanborn’s website. It has a lot of detail about their history. But still almost nothing about the insurance companies they represent, what claims are like, what the coverage is like, and other critical elements that matter beyond the initial sale.

This is like buying something from a salesperson without knowing who the manufacturer is. And that’s a really big problem for me. Big enough for me to stick with more transparent alternatives from Baja Bound or Mexico Insurance Online.

Another reason this is a problem with Sanborn’s is that based on everything I can see, you are only getting a quote from one insurance company.

Risk assessments vary greatly. One company might think your risk is extremely high, but another can say it much lower. The difference for your Mexican car insurance cost can be extreme. Almost all good brokers present options from more than one insurer. Based on what I can see, Sanborn’s does not.

A screenshot from MexPro Mexico car insurance

MexPro Insurance

MexPro is an extremely well-known insurance broker that helps with Mexican car insurance and many other Mexico-based insurance policies. It sticks to top insurance companies, including Chubb, GNP, El Aguila, and ABA.

Do these names look familiar? They’re the same insurance companies that Mexico Insurance Online uses. And that’s because they have the same parent company. So to be honest, this is essentially the same broker in a different building. 

I prefer the simplicity of Mexico Insurance Online’s portal. But MexPro is another trusted option that has the International Insurance Group behind it. 

A screenshot from Lewis and Lewis Mexico car insurance

Lewis and Lewis Mexico Insurance

I’ve heard of Lewis and Lewis in many expat information groups. They are another well-respected insurance broker for Mexican car insurance. And their website is easy to navigate.

In fact, I’ve purchased a Mexico car insurance policy through them.

But I have learned a lot since then and have two issues with Lewis and Lewis. They take the problems I found with Best Mex and Sanborn’s and combine them. Not so great.

First, they sell Mexico car insurance from Quálitas. This company simply doesn’t have the same financial standing as Chubb and HDI Seguros. It’s one of the biggest providers in Mexico, but I don’t put my faith in volume. I put it in highly-reputable and verified companies, like Chubb, HDI, GNP, and El Aguilas. I’m not saying Quálitas is a terrible company, just that I prefer to go with the best of the best when dealing with insurance and based on what I can see, there are superior alternatives.

Second, based on what I can see, Quálitas is the only car insurance company Lewis and Lewis offers. As a broker, that isn’t really all that helpful. As stated with Sanborn’s, the cost difference to the customer can be extreme when comparing premiums from different insurance companies.

At the end of the day, I know many people trust Lewis and Lewis. But I still strongly prefer Baja Bound since they provide quotes from multiple companies with some of the best ratings around. I also like that Baja Bound has a nice, modern website that’s amazingly easy to navigate.

A screenshot of the Allstate page on Mexico car insurance

Geico, Allstate, and Progressive

If you’re from the United States, you probably recognize these companies. And that might settle your nerves at first. But when you take a look under the covers, you’re going to spot some issues.

Allstate has a full page about Mexico insurance. Although it doesn’t really have many details, it does help you understand that you need car insurance for Mexico and that they partner with Mexico-based insurers to provide coverage. 

What Allstate doesn’t say is that they actually go through MexPro, owned by International Insurance Group. As stated before, I prefer getting access to the same policies through Mexico Insurance Online, also owned by the same group and with excellent customer service.

Progressive essentially does the exact same thing. They’ve designed their own quote page that doesn’t rely on the MexPro/International Insurance Group dashboard. But it’s still through this same company. Adding the Progressive layer on top of two other companies already seems unnecessary to me. I suggest heading directly to Mexico Insurance Online.

Geico has a very similar informational page about Mexico insurance, which they also call Mexico tourist auto policies. And they use their own portal to provide quotes for GNP and El Aguila. But they really don’t provide a ton of details, and I see this as a shortfall that’s caused by this being a small add-on to Geico’s main business, not their actual focus.

I find it quite unlikely that these big US companies would help with claims in the same way Baja Bound does. It looks like they’re offering access to these quotes as affiliated brokers. In my opinion, specialist companies like Baja Bound are much more likely to provide value for their clients.

At the end of the day, they aren’t Mexico-specific brokers. I’d much rather go with the proven experts at Baja Bound who are undeniably experts in this field and have an excellent reputation as a Mexican car insurance broker.

Frequently Asked Questions: Best Mexican Car Insurance

Wrap Up: The Best Mexican Car Insurance

To buy the best Mexican car insurance policy and know that you’re getting great coverage with expert support, head over to Baja Bound. They stick with policies from the most reputable and stable Mexican insurance companies, and are there to walk you through the process. Baja Bound will even step in to lend a hand if you need to make a claim. We also have another article specifically about Baja Insurance.

An excellent alternative is Mexico Insurance Online. This company is backed by a major international insurance provider that’s trusted by the likes of Allstate, Progressive, and MexPro. The online portal is easy and their customer service is readily available.

Stay away from brokers that only offer one insurance company and don’t provide many details about it. There’s also no reason to go through a US-based insurer since more targeted alternatives like Baja Bound exist.

Want to learn more about traveling in Mexico? Head over to our Ultimate Mexico Travel Guide or our article on 60 Best Mexico Travel Tips.

4 thoughts on “Best Mexican Car Insurance: Insider Tips and Expert Advice”

  1. Is it possible to rent collision/comprehensive for a rental car (mid sized, unknown make model but nothing fancy) ahead of time with Baja Bound? I am wondering if I am going to get offered a hugely expensive insurance option when I pick the car up. Liability is built into the car reservation I made. My credit card is supposed to cover collision this but….. Thank you.

    1. I recommend giving Baja Bound a call to see if they have any advice. I don’t think they’ll be able to provide a policy without the vehicle’s details, but perhaps there is a way.

      Between your liability policy with the reservation and your credit card collision, it sounds like you have the combination that many experienced travelers depend on. Make sure the collision is through a high-quality credit card provider known for a relatively painless claims process, like Chase Sapphire. And make sure you pay for the rental on that card.

      You may already know this, but it’s a good idea to have proof that you purchased the liability policy with your reservation. This is a known pain point with renting a car in Mexico.

    1. Thanks for leaving the comment, Lenka. We love helping people make the best decision possible and Mexican car insurance can be a little tricky.

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