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 Palmas II, Puerto Penasco/Rocky Point, Sonora $499,000
58 photos
Las Palmas I & II , Suite Villa 9 Las Palmas II $499,000 342 sq. m."3681 sq feet" 2 Story Residential
Homes for Sale in Las Conchas, Puerto Penasco, Sonora $479,900
100 photos
Ave de Las Colinas Las Conchas S2 L211/12 Las Conchas $479,900 2,700 sq. ft. Residential
Homes for Sale in Las Conchas, Puerto Penasco, Sonora $449,000
42 photos
Salida del Sol, Las Conchas S3 L400 Las Conchas $449,000 2,400 sq. ft. Residential
Sale Pending
Condos for Sale in Pinacate, Puerto Penasco/Rocky Point, Sonora $280,000
42 photos
Pinacate, Suite 519 Pinacate SALE PENDING
$280,000
1,395 sq. ft. 2 Story "Master bedroom 2nd story with old port and ocean views" Condominium
Homes for Sale in ISLAS Del Mar, Puerto Penasco/Rocky Point, Sonora $277,179
21 photos
Eagle Village, Suite L8 Building A(New Construction) 20-771 ISLAS Del Mar $277,179 1,300 sq. ft. 2 Story Residential
Homes for Sale in Las Conchas, Puerto Penasco, Sonora $269,000
33 photos
Ave. Salida de Sol Las Conchas S1 L41 Las Conchas $269,000 1,600 sq. ft. Residential
Lots and Land for Sale in Cholla Bay, Puerto Penasco/Rocky Point, Sonora $250,000
7 photos
S3 L49 Cholla Bay Cholla Bay $250,000 168 sq. m. Single Story Lots and Land
Condos for Sale in Sonoran Spa, Puerto Penasco/Rocky Point, Sonora $190,000
23 photos
Sonoran Spa, Suite N202 Sonoran Spa $190,000 700 sq. ft. Single Story Condominium
Commercial Real Estate for Sale in In Town, Puerto Penasco/Rocky Point, Sonora $180,000
1 photos
M6 L2 BLVD Freemont In Town $180,000 266 sq. m. 2 Story Commercial
Lots and Land for Sale in Cholla Bay, Puerto Penasco/Rocky Point, Sonora $45,000
3 photos
Av La Bellena, Lot Lot 8A Cholla Bay $45,000 324 sq. m. Single Story Lots and Land
Lots and Land for Sale in Las Conchas, Puerto Penasco, Sonora $40,000
4 photos
Ave. Ventana Alta, Las Conchas Las Conchas $40,000 Lots and Land
Lots and Land for Sale in Playa San Jorge, Puerto Penasco/Rocky Point, Sonora $45,050,000
2 photos
Km 39 Highway Caborca Playa San Jorge $45,050,000 Single Story Lots and Land
Lots and Land for Sale in Playa San Jorge, Puerto Penasco/Rocky Point, Sonora $30,150,000
34 photos
Km 39 Caborca highway Playa San Jorge $30,150,000 Single Story Lots and Land
Lots and Land for Sale in East Beach, Puerto Penasco/Rocky Point, Sonora $25,999,000
11 photos
Parcel Near New International Airport-Puerto Penasco/Rocky Point-Sonora, Mexico(New Construction) East Beach $25,999,000 5,000,000 sq. m."great value per square meter" Lot / Land "Great beachfront for development" Lots and Land
Commercial Real Estate for Sale in Puerto Penasco/Rocky Point, Sonora $15,000,000
39 photos
Rocky Point Medical Tourism & Assisted Living Puerto Penasco/Rocky Point $15,000,000 117,471 sq. m. Other Commercial
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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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