Useful Sites to Purchase Mexican Car Insurance and Compare Rates

Lately, we’ve been getting quite a few emails from readers asking us how and where to get Mexican car insurance. Most of these readers either just purchased or are in the process of purchasing a vehicle in Mexico.

Fortunately for them — and you too if you happen to be in the market for some coverage south of the border, — it’s quick and easy to compare rates online and even purchase a policy.

If you don’t feel like contacting each insurance company one at a time and requesting a quote, I recommend using one (or both) of the following sites to speed up the process. They both return quotes from multiple companies in a matter of seconds.

And, yes — they’re both in Spanish. If you plan on living in Mexico, at some point you’re going to have to start getting used to that.

Rastreator.MX

Autocompra.com

Let’s Wrap This Up

If you have insurance and you’re involved in an auto accident in Mexico, the insurance company will send an adjuster to the scene to negotiate on your behalf and work out a compensation agreement with the other party. The outcome of that negotiation will determine what action the police take.

If both parties involved come to an agreement on who’s responsible and who’s going to pay for what, then the police do very little. However, if the two sides cannot come to an agreement, then the police will impound both vehicles until the matter can be resolved by the Ministerio Público. If that happens, you could be without your vehicle for awhile.

I’m currently working an another article that goes into more detail about what to expect if you’re ever involved in a vehicle accident in Mexico. If you subscribe below, you’ll get an email notice the moment I post it.

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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 (qroo.us) to share their experiences, as well as information about the logistical and legal aspects of retiring south of the border.

12 Comments on "Useful Sites to Purchase Mexican Car Insurance and Compare Rates"

  1. Man in the Middle | January 11, 2019 at 11:07 am | Reply

    I get my Mexican insurance through bajabound.com The site is extremely helpful, and all in English. It offers a choice of good policies, and once purchased, prints a copy in both English and Spanish for you. I found them via the excellent Talk Baja Facebook group, which I read daily, as I am often in the Baja.

  2. Wondering the best car insurance companies when driving into Mexico from US and staying for a couple of months?

  3. Unless someone is injured in the accident, DO NOT call the police, which is standard operating procedure above the border. Call the insurance agent, and wait.

    Calling the cops will, far more often than not, complicate the situation significantly. Don’t do it.

  4. Soon after moving to Motul, I was involved in an accident where the passengers on a motor cycle that hit me were injured . They could not get my insurance guy there quickly, so they made me stay in a holding facility until details were ironed out . Everyone who drives here should know that if you are involved in an accident with injuries, you will be subjected to drug and alcohol testing. So glad I passed! I echo Felipe above. Don’t involve the police unless you have to . I have also switched to Qualitas that has a local office and seem to be available all the time . Another good article . Thanks

  5. Supriyo R Sen. P.E. | January 11, 2019 at 12:50 pm | Reply

    Dear Paul,
    I am serious about moving to Lakeside, Chapala and live out my retirement there. If I take with me a Honda Fit (which is Made In Mexico and shipped to Honda dealers in the US and Canada) what difficulties would I face there to get Mexican plates? I plan to take their Temporary Residence Visa for the 1st 4 years and then “grandfather” the visa to Residente Permanente. Please advise and thanks dude!

  6. Perfect timing, Paul! I just purchased a scooter, and was going to be asking for referrals, but online will be easier! Thank you, as always, for such useful and informative posts!

  7. I would like to add that if you and the other driver determine that the other driver was at fault be firm and collect the amount of your deductible on the spot at that time. Once the vehicles are moved you will have no recourse. Usually if the other party has the funds to compensate you for your deductible they will pay you at that time if you have witnesses and you threaten to call the police. Do not accept their word that they need to go to the bank in the morning because it just will not happen. If necessary go with the other driver in a cab to the nearest ATM or other family members who can pool their money together. No one wants to call the police because then you will have to pay them also. Let your insurance adjuster handle the police. He knows the drill.
    Liability insurance (responsibilidad civil) is required thruout all states in Mexico but the minimum amount of coverage required varies. And most importantly always confirm that your carrier includes a generous amount for legal representation, that will be your “get out of jail card”. Never offer a bribe to an officer if more than one is present, most likely you will be arrested. If only one officer is present and he brings it up then it is a throw of the dice. I don’t pay, I ask for the ticket. Buena suerte.

  8. Hi Everyone,
    Thank you Man in the Middle for suggesting us. This is Jen Hill from Baja Bound Insurance Services. We do offer online Mexican auto insurance, however only for U.S./Canadian/other foreign plated vehicles. At this time we don’t offer coverage on Mexican plated vehicles.

    Thanks for a great blog. Been a subscriber for awhile and refer people to it at times.

    Jennifer Hill
    Baja Bound Insurance Services, Inc.
    http://www.bajabound.com

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