Make Sure to Purchase Mexican Auto Insurance



Mexican Auto Liability Insurance


Buy Insurance before entering Mexico
Driving into Mexico your first time can be an interesting experience. Road signs are in Spanish, you are distracted by the sights and sounds, road side vendors are jumping in front of your moving vehicle and you are trying to find your way. The best advice is to be prepared. Know your route and destination, make sure your vehicle is well maintained, and absolutely have Mexican auto insurance before you enter Mexico.  Mexican law requires that you have at minimum Mexican liability auto insurance underwritten by a Mexican insurance company. The insurance that is issued must be from an insurance company that is licensed and admitted in Mexico and must be recognized by the Mexican judicial system. You have an option of buying what is commonly referred to as a Driver’s License Policy that will follow the driver regardless of the car driven. This type of policy will cover civil liability and can be used in conjuction with your U.S. auto policy if it covers collision within Mexico.  

In Mexico, you are considered at fault until you can prove otherwise.

If you are involved in an accident in Mexico you will be brought to the police station and detained until the authorities determine who was at fault. You are considered guilty until you can prove otherwise.  The Mexican authorities want to know that you can pay the bill if you are found to be liable. This is why is is so important for foreigners to carry Mexican civil liability auto insurance. U.S. auto insurance will not and cannot provide Mexican liability coverage. They may provide collision, but check first, many U.S. insurance companies do not.

 

How and where to purchase Mexican Auto Insurance.

There are approximately 50 Mexican insurance companies that are authorized to issue auto insurance contracts.  However, only do business with companies with at least an A rating by A.M. Best.  The following companies are licensed and admitted in Mexico as of 2008. They are: SABA/Sergos - A GMAC company, Grupo Nacional Provincial (GNP) - a Genworth Company, Zurich Z-Mart - A Zurich Financial Company ACE Seguros - Switcherland. 

 

There are several ways of purchasing auto insurance for your trip to Mexico.  You can purchase Mexican insurance through a U.S. insurance brokerage firm that specializes in Mexican auto insurance.  A good start is Mexpro out of Arizona.  They have been specializing in Mexican auto insurance since 1999.  They have extensive information online about driving in Mexico, ratings of Mexican insurance companies and most importantly they explain the various types of coverage available to you.  Mexpro is available by phone and online. You can buy and print your policy online if you wish.  Click on the Mexican Insurance banner on the left to purchase Mexican auto insurance from MexPro.  Mexpro has some very useful information on Mexican Insurer Statistic and Comparable Coverages.  Download their insurance information from the PDF files below. Also, see their article entitled Purchasing Mexican Auto Insurance on our site.

 

AAA of Arizona also sells Mexican auto insurance.  You can purchase and print your policy online.  They offer coverage from two of the above listed companies.  You can select the time period and coverage you desire. Be sure to have your vehicle information handy. 

 

Additionally you can purchase insurance with a brokerage/agency firm in Mexico.  In the tourist areas, most insurance firms will have representatives that deal with tourist and speak English.  These brokerage/agency firms offer the same selection of insurance companies as those in the states, but usually give more competitive rates.  

 

Educate yourself on the quality of the insurance company first.

Buy from brokerage firms in the states first. That way you can become educated on Mexican auto insurance, you can ask questions, and be relative confident you have the proper coverage before driving into Mexico. 

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Once you become accustomed to driving in Puerto Penasco and are visiting the town regularly , you should visit the local insurance brokerage or agent in town and investigate a better deal when your current coverage is up for renewal. A brokerage firm you may want to try is Rosie Glover of ProAlliance Insurance.  Her office is located on Bonita Juarez as you come into Rocky Point. ProAlliance offers Auto, Home, Condo, Boat and Life Insurance.  Read Rosie’s article on Auto and Home insurance.

 

We bought our first year Mexican insurance policy in November 2008 from Portugal Insurance. It cost us ruffly $250 dollars for $300,000 dollars in liability and collision coverage. Upon our annual renewal in 2009, Steph and I elected to go with the Driver’s License Policy. This policy cost approximately $160.00 dollars for two persons.  Both Steph and I were issued an insurance card with the policy number to carry in our wallet.  See Portugal’s Insurance Website.

 

Drive safe and have a happy trip in Mexico!

Kyle


Our Listings



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PhotoAddressLocationNeighborhoodPriceSizeStyleType
Homes for Sale in Las Conchas, Puerto Penasco, Sonora $1,950,000
136 photos
Calle De La Proa Las Conchas S4 L15, Suite . Las Conchas $1,950,000 8,672 sq. ft. Residential
Homes for Sale in Tessoro, Puerto Penasco, Sonora $1,250,000
106 photos
Tessoro, Las Conchas 1402, Suite Diamante Tessoro $1,250,000 3,209 sq. ft. Residential
Homes for Sale in Las Conchas, Puerto Penasco, Sonora $993,313
94 photos
Av. Viento del Mar Las Conchas S2 L288, Suite . Las Conchas $993,313 4,844 sq. ft. Residential
Homes for Sale in Las Conchas, Puerto Penasco, Sonora $849,900
77 photos
Privada Del Timon, Las Conchas S4 L24, Suite . Las Conchas $849,900 2,590 sq. ft. Residential
Lots and Land for Sale in Las Conchas, Puerto Penasco, Sonora $849,500
13 photos
Av. Viento del Mar Las Conchas Las Conchas $849,500 Lots and Land
Homes for Sale in Tessoro, Puerto Penasco, Sonora $635,000
52 photos
Cam a Las Conchas, Las Conchas 501, Suite Tessoro Diamond Tessoro $635,000 3,308 sq. ft. Residential
Sale Pending
Homes for Sale in Las Palomas, Puerto Penasco/Rocky Point, Sonora $629,000
33 photos
Las Palomas, Suite Cabrillo 1101 23-168 Las Palomas SALE PENDING
$629,000
2,600 sq. ft. Single Story Residential
Homes for Sale in Cholla Bay, Puerto Penasco/Rocky Point, Sonora $595,000
29 photos
M33 L4 23-945 Cholla Bay $595,000 2,000 sq. ft. Single Story Residential
Homes for Sale in Las Conchas, Puerto Penasco, Sonora $595,000
106 photos
Av de Las Colinas, Las Conchas S2 L232, Suite . Las Conchas $595,000 3,187 sq. ft. Residential
Homes for Sale in Las Palmas II, Puerto Penasco/Rocky Point, Sonora $590,000
33 photos
Las Palmas II, Suite #6 23-1003 Las Palmas II $590,000 2,000 sq. ft. 2 Story Residential
Homes for Sale in Cholla Bay, Puerto Penasco/Rocky Point, Sonora $580,000
37 photos
M29 L12-A 23-962 Cholla Bay $580,000 2,000 sq. ft. Single Story Residential
Homes for Sale in Las Conchas, Puerto Penasco/Rocky Point, Sonora $510,000
26 photos
S7 L74 Las Conchas 23-347 Las Conchas $510,000 1,800 sq. ft. Single Story Residential
Homes for Sale in Las Conchas, Puerto Penasco, Sonora $499,999
77 photos
C. Cta Abajo, Las Conchas S1 L141, Suite 140, 142 Las Conchas $499,999 2,400 sq. ft. Residential
Homes for Sale in Las Conchas, Puerto Penasco, Sonora $485,000
58 photos
Av de Las Colinas, Las Conchas S2 L220, Suite . Las Conchas $485,000 4,110 sq. ft. Residential
Homes for Sale in Ferrocarril, Puerto Penasco/Rocky Point, Sonora $480,000
12 photos
M73 Ll5 Avenida Pino Suarez 23-374 Ferrocarril $480,000 Single Story Residential
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Kyle Wood Realtor®
Playa Sonora Realty
Puerto Penasco, Sonora Mexico
email Kyle

Direct:  480-297-8079
MX: 638-114-1315


 

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