Is Liability Only Mexican Insurance My Best Option?





Many travelers feel that a Liability Only Mexican insurance policy with is all they need. Unfortunately, a tight budget might convince you to skimp on the level of coverage you purchase. Although this does satisfy the requirement to have Mexico insurance coverage for driving, it will NOT cover physical damage to your own vehicle. Be sure to consider the potential problems that could occur before deciding to limit your protection.

What Liability Only Mexican Insurance Protection Covers

In short, LO only covers the ‘Other Guy.’  Any damage or additional benefits to your vehicle, such as theft, vandalism, collision, etc., is not included.

The question one should ask before purchasing Liability Only is, “Am I OK walking away from this vehicle if it is involved in a collision?” If the answer is, “Yes!” then go ahead with Liability Only.  One caveat, though, if you have a TVIP (Temporary Vehicle Import Permit), you have an additional requirement.  A TVIP is required for most of Mainland Mexico.

Total Loss

Therefore, in the event of a total loss, you will still need to transport the vehicle, at your cost, to a border Banjercito location where you can have your permit properly canceled.  A list of Banjercito locations that you can obtain or return a TVIP can be downloaded from the official government site here.

If your vehicle is over 20 years old, you may be limited to a Liability Only Mexican insurance policy anyway.

Why You Should Buy Mexico insurance coverage for driving.

You need to have a valid policy from a Mexican insurance company. You can get this coverage from

Some insurers in the US and Canada provide limited protection for Mexico. They may cover physical damage to 25 miles from the border. Your domestic insurance can not extend liability coverage to you. US and Canadian liability coverage is invalid in Mexico. If a car accident happens and you are found to be at fault, it can be really hard.

In Mexico, it is required that all drivers have car insurance.  The minimum protection is liability-only.  Get full coverage unless your car, motorcycle, or RV is over 20 years old.  The best advice is to match your US or Canadian insurance when buying Mexican Insurance.  This way, your risk remains the same.

A Liability Only Mexican insurance policy will only cover the damage you cause to other people or property.

Why Comprehensive Full Coverage May Be Better

Any accident can affect even the most careful driver. If you have an accident that is your fault, a comprehensive full coverage policy allows you to have your car fixed under your coverage terms. If the vehicle is a total loss, you will have the money to replace that vehicle and buy a new one. You will also have legal help in getting the TVIP canceled out.  With a Liability Only Mexican insurance policy, you would shoulder the full cost of your own vehicle’s replacement.

The basics of Mexican car insurance and deductibles


10 Comments. Leave new

  • Genevieve Dubuisson
    February 21, 2017 3:53 pm

    It’s easy to hold back costs if you are not sure about the benefits of comprehensive coverage. But Mexico car insurance full coverage ensures vital protection when it comes to personal losses while travelling in Mexico.

  • Maxie Bunnell
    March 12, 2017 6:42 pm

    You overlooked to insure your car? Don’t worry, the border has available policies that you can buy, but the price isn’t as good as when you buy Mexico insurance online.

  • Mexico insurance is a general type of insurance where protection is certain against unexpected circumstances.

  • Clementine Headrick
    December 26, 2017 5:34 pm

    Anything can happen without warning and insurance is there to help. Your biggest weapon when travelling is Mexican insurance.

  • Even if you have the expensive high quality care in Mexico, the medical costs are remarkably low in price.

  • Sigrid Turley
    July 13, 2018 6:25 pm

    Avoid getting into trouble. Travel with Mexico insurance. It provides support when heading to your destination.

  • What a relief if you have Mexican car insurance! With the help of your Mexico insurance company, troubles can be handled immediately.

  • Georgiann Carlos
    October 2, 2019 6:14 pm

    Before traveling, be sure to have Mexican insurance for driving in Baja. You should know it’s adequate before entering and before leaving the city of Mexico.

  • Drusilla Jetton
    September 1, 2020 6:26 pm

    I have my US car insurance with me and that’s pretty good, but I’m still compelled to shop online to get the right Mexican car insurance.

  • Genevive Townes
    August 3, 2022 8:27 pm

    In Sonora Mexico, they experience wet season that is hot and scorching. They also have a dry season which is warm and typically clear. Driving there requires having Mexican auto insurance.

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