Mexico: This App Lets You Pay for Car Insurance by the Kilometer

We are all accustomed to paying for car insurance by the month or by the year, but the amount never changes no matter how much or how little we drive our car. Well, now there’s another option — at least in Mexico — and it comes in the form of a phone app called Kimmo.

Kimmo is an innovative app that tracks the number of kilometers that you drive and then bills you for car insurance based on that number. The rate per kilometer is very low, only $0.17 MXN or around $0.008 USD — less than a penny.

The per kilometer charge is added to a monthly base insurance rate that is determined by the particular vehicle you are insuring.

In the case of my 2017 Nissan, I was quoted a monthly base rate of $218.19 MXN ($11.48 USD) for coverage that included theft of the vehicle, roadside assistance, medical coverage, liability and legal assistance.

Obtaining Coverage

You can obtain a price quote and/or coverage directly through the Kimmo phone app.

The insurance company that will be holding and administering your policy is a well-known one in Mexico, HDI Seguros.

Great Option for Retirees and Part-Time Expats

We have quite a few friends from either the United States or Canada who only live in Mexico part-time, but own and insure a vehicle here full-time. This plan would benefit them greatly and could cut their insurance rates by up to 80%.

My wife and I live in Mexico full-time, but we don’t drive every day because we’re retired.

Just out of curiosity, I decided to see how much it would have cost me to use Kimmo based on the number of kilometers we drove last year. It turns out that I would have paid around 45% less if I had used Kimmo instead of my current insurance.

Where to Get the App

The application is available for Android and iOS. You can find download links and more information on Kimmo’s official site:

The site is in Spanish but here is a link to the same page translated in Google: Kimmo English Version.

Let’s Wrap This Up

I realize this post sounds like a paid advertisement or a late night infomercial, but it’s not. I’m not affiliated with either Kimmo or HDI Seguros. I simply thought that some of our readers might find the app useful, so I decided to do a quick post about it.

And now back to our show. ๐Ÿ™‚

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About the Author

Q-Roo Paul
Paul Kurtzweil (Q-Roo Paul) was a deputy sheriff in Florida for 25 years before retiring at the rank of lieutenant in 2015. He and his wife moved to Mexico looking to maximize their retirement income. They later started a blog called Two Expats Mexico ( to share their experiences, as well as information about the logistical and legal aspects of retiring south of the border.

30 Comments on "Mexico: This App Lets You Pay for Car Insurance by the Kilometer"

  1. Am I right in understanding that you would have to activate the app each time you get in the car to go anywhere. So, if you didn’t activate and were in an accident you would not be covered?

    • Yes, you have to activate the app. If you don’t, your coverage will be reduced. You will, however, at least have the minimum required by law, Seguro de Responsabilidad Civil.

  2. Hello Paul,

    Interesting insurance program. Does the carrier underwrite both import & mexicano vehicles?
    Thanks, Dan

  3. Can the Kimmo insurance app be used and applied to auto rentals? If so, do you know if most of the auto rental companies accept it?

    Thanks – Randy

  4. Wow great find! I have insurance through that company currently but never heard of that app.

  5. David H Reynolds | September 2, 2018 at 11:53 am |

    I have this same app. It’s exactly like what I had in San Francisco. The company in San Francisco is called MetroMile where it tracks your vehicle and charges you by the mile. In the states it’s a few pennies more in the states then here in mexico. I love it because I do not drive my truck very often. If the truck sits, then i only have to pay a low base rate and no mileage. If i had regular insurance then i am simply paying for my vehicle to sit and a much higher rate. Cool stuff!

  6. Great info, thanks!

  7. That is a very interesting idea for insurance. Especially for part-time residents or travelers in Mexico. It will be interesting to see reviews of the experience once people have accidents or other needs. One of the reasons we chose our current insurance agent is because of his reputation for responsiveness and assistance when something happens.

    • If you have an accident, you notify them via the app and an HDI Seguros agent is sent immediately to your location. That part is pretty standard. There isn’t much for the agent that sold you the policy to do.

  8. Linda ISRAELGerber | September 2, 2018 at 12:57 pm |

    Has anyone had a problem trying to download this APP? I have tried everything, including going to the HDI Seguros site directly. I just get “incompatible with my devices” both on my phone, on my Tablet and trying to go in from my Laptop.This app does not show up in Google Play, so I tried directly from the webpage. Maybe this is only available in your area. I live in Sonora. Has anyone tried it on the West Coast?

  9. Patricia Knoll | September 2, 2018 at 3:03 pm |

    Have you seen any reviews? Does the insurance have a good track record?

  10. Wow. That makes so much sense. Insurance based on your actual driving, not estimated maximum miles per year. Imagine that. Mexico innovating ahead of the US. I guess we should be to surprised that we’re stuck in old business models and ways of doing things here.

  11. Garrett Klassen | September 2, 2018 at 5:13 pm |

    I went through the process and it would save me about 35% here in Jalisco. But I had to change my country location in the App Store from Canada to Mexico โ€” otherwise it’s not available. And the only way to do that was to change the payment information to my Mexican credit credit card, and the Mexican address associated with that card. Were you able to download the app while logged into U.S. Google Play? If so, the App store is more strict about that.

  12. Hi – notice you do not mention collision insurance on the vehicle….is that separate or??

  13. Hi,
    We live in the states but have a home in Baja, so we donโ€™t have to register our car in Mexico, TIP. Would this work for our cars?

  14. Sadly this app is incompatible with all my android devices, phones and tablets!

  15. I downloaded the app, but it is all in spanish and I don’t read spanish, do you know if they will offer an english version soon?

    • As far as I know, they don’t have any plans on releasing an English version; however, If you look at the website itself in Google Translate, you should be able to figure out what all the key words are on the app.

  16. Cathy Jones | October 5, 2018 at 11:51 am |

    I’m unable to get the app, I see Kimmo but app store says no longer available?? Have you heard anything new?

  17. Carrol Wiley | October 10, 2018 at 10:07 am |

    QRoo, I wanted to take advantage of the Mexican Insurance Kimmo you had written on one of your blogs, however the car needs to be Mexican plated, I have my car plated Tennessee. They were very nice in telling me.
    You may want to add that to the blog.
    I love reading your blog. There is so much good information.
    Thank you
    Carrol Wiley
    Chapala, Jalisco

  18. I am in the process of looking into this in more detail. Like another reader I thought it covered a total loss through theft, but it did not include collision coverage to your vehicle. I canโ€™t seem to find more on the app. Did someone find a number to call to get more detailed information?

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