Mexican Insurance

1-888-800-9988 | 951 657 4220

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Mexican Insurance Store | Established 2004 | Insurance Expertise Since 1979

Mexican Insurance FAQs – What You Need to Know

Still have questions? You're not alone. Here are the most common ones we hear daily - fast and simple.


Since 2004, Mexican Insurance Store has helped thousands of U.S. and Canadian travelers hit the road in Mexico with confidence and peace of mind. Here's why customers trust us again and again:




1. Decades of Experience
We've been in the insurance game since 1979, and we bring nearly 45 years of combined industry experience to the table. We're not just tech-savvy- we're insurance professionals. That means smarter advice, faster service, and better value.


2. We Still Answer The Phone. Really.
Call us during business hours in California (P.S.T.) and a reaL, experienced, licensed professional will answer - no bots, no call centers, no problem:

  • (888) 800-9988 or 951-657-4220
  • contact@mexicaninsurancestore.com
  • Mon-Fri: 9am-5pm | Sat: 8:30am-Noon (PST)



    • 3. Easy Payment Options
    We accept Visa, MasterCard, and AmEx-get covered today or in the future in just a few clicks.


    4. U.S. Licensed & Secure
    Headquartered in California, we're fully licensed, bonded. and authorized to provide Mexican Car insurance to customers nationwide - including Canada.

  • Surplus Lines License (#0C24601)
  • Property & Casualty License (#0C24601)
  • National Producer License (#2663714)
  • Bond: PB03138600264


    • Plus, our site is fully encrypted (256-bit SSL), and we never sell your personal information or store your credit card info.




    5. BBB A+ Rated Since 2004
    We're proud to have maintained an A+ rating from the Better Business Bureau for over 20 years.


    6. No Middlemen. No Time Wasting

    When you call us, you're not getting routed through some call center in another country-you're talking to real licensed experts who know Mexico insurance.


    7. Get Paid What Your Car Is Worth
    Many Mexican insurers base claims on Mexico’s local pricing books like Libro Azul—which can leave you with 30–40% less. We don’t. We use Kelley Blue Book and N.A.D.A. to make sure you’re paid what your car is really worth—back home in your home teritory, not Mexico’s.


    8. Trusted, A+ Rated Insurers
    We only work with top-rated, internationally recognized companies-CHUBB, HDI, and MAPFRE-all with strong A+ or better ratings. They pay claims in U.S. dollars and use U.S. labor rates.


    9. Fast & Easy Quotes
    Get a quote in under 2 minutes-no VIN required. You can buy online or over the phone and print your policy immediately. Traveling today? No problem-your coverage can start right away.


    10. Simple, No-Hassle Process
    Getting a quote is easy. Just tell us:

  • Your vehicle's year, make, and model
  • Its value (check Kelley Blue Book or N.A.D.A.)
  • How long you'll be in Mexico
  • Where you're headed in Mexico



    • 11. Customize Your Coverage
    Need just liability? Want full coverage? We've got flexible options-from 1 day to 1 year-so you only pay for what you need.


    12. Roadside Assistance Included
    We're the only provider that includes a Roadside Assistance Guarantee. Bilingual help, fast response (30 minutes or less), and real-time updates from CHUBB, HDI, and MAPFRE.


    13. Instant Documents - Anywhere
    Your policy documents, ID cards, and accident instructions are emailed immediately after purchase. Print them or save them on your phone-whatever's easier for you.


    FAQs - Quick Answers to Common Questions
    What info do I need to get a policy?

  • Driver's license number
  • Vehicle registration or title (for VIN and license plate)


    • Do I need U.S./Canadian insurance too?
    Nope! That old rule is gone. You only need our Mexican policy while in Mexico.

    How do I get my policy after purchase?
    It's emailed instantly-including bilingual documents and ID cards.

    Where in Mexico is the policy valid?
    Everywhere in Mexico, unless otherwise noted. Some plans are discounted for Baja and Sonora only.

    Can I insure a rental or motorcycle?
    Yes, U.S. plated rental cars can be fully insured. Motorcycles are eligible too, but without medical payments.

    Can I insure a Mexican-plated vehicle?
    No. Mexican vehicles should be insured inside Mexico.


    In Case of a Claim

  • Report any claims while still in Mexico.
  • Use the emergency numbers on your policy.
  • English-speaking adjusters are usually available.
  • Keep these documents with you:
    • Policy (printed or digital)
    • ID cards
    • Registration or title
    • Driver's license
    • Passport
    • Written permission (if the car's not yours)
    • Mexican permit (if driving outside the border zone)


    What if my car is stolen in Mexico? You must file a police report in person and contact your insurer ASAP. Make sure you have your ID, proof of ownership, and VIN.


    What does Full Coverage include?

  • Liability
  • Collision/physical damage
  • Total theft
  • Towing
  • Optional: vandalism, partial theft, U.S. repair option


    • Deductibles:

  • Fixed: $500 (collision) / $1,000-$1,500 (theft)
  • Variable: 2% collision, 5% theft
    Fixed is better for high-value vehicles.



    • Any Legal Help or Bail Bond Coverage?

    Yes! Our policies include legal assistance within the liability limit and bail bond support, which is especially important under Napoleonic law.


    What's your refund policy?

  • Daily policies: Refundable before the start date
  • 6-month or annual policies: Refunds prorated if less than 20 days
  • No refunds once expired or if a claim was made



    • How much does it cost?
    Depends on your car and trip length:

  • Daily: Best for short trips (under 22 days)
  • 90 Day: A little less than 6 months
  • 6-month: Great value for longer stays
  • Annual: Only ~15-20% more than 6 months!


    • Example: Liability-only annual starts at $142/year


    Who's covered to drive?

  • Anyone 21+ with a valid license and permission from the vehicle owner
  • Add up to 2 additional drivers-free of charge!



    • Have more questions or want a fast quote?
    Give us a call or visit mexicaninsurancestore.com
    We're here to help you travel with confidence.

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    For affordable rates and if you have questions visit Mexican insurance rates. For an instant Mexican car insurance policy, review Mexican insurance coverage for travelers from California, Canada, Arizona, and Texas. We offer the best quality Mexico insurance policies with plenty of options to choose from.