Liability-Only Mexican Auto Insurance Affordable, Legal Coverage for U.S. & Canadian Drivers

What Liability-Only Insurance Actually Covers in Mexico

Quick Question: If I buy a liability-only policy and someone else hits me, will my car be covered?

Answer: With full coverage through Mexican Insurance Store, our A-rated partners pay for your damages first and then handle recovery. You don't need to argue with the other driver's insurer or fight their company in Mexico. Our partners take care of the negotiations and claims pursuit, so you get fast repairs and true peace of mind.

A few U.S. carriers advertise "extended" coverage near the border. In reality, this is only reimbursement. You must first pay thousands of dollars out of pocket, then hope to be paid back later. Repair shops and police will not accept reimbursement promises.

No. Liability-only policies in Mexico only pay for damages you cause to others. If another driver causes the accident, your Mexico or US insurer will not negotiate with theirs. You would be left dealing directly with the other party's insurer, police, and courts in Mexico.

Liability-only insurance meets the minimum requirements of Mexican law. It pays for damages or injuries you cause to others, including property damage, bodily injury, and related legal expenses. However, it does not cover your own vehicle for theft, vandalism, or collision.

New to the rules? See our overview of Mexico driving laws and what’s required before you cross.

When Liability-Only Makes Sense

• Older vehicles with low market value
• Short, low-risk trips close to the border
• Budget-conscious travelers who only want legal compliance

Planning a quick border run? Read our local guide to Rocky Point Mexican auto insurance.

Beware the Risk

If your late-model SUV is stolen in Tijuana or damaged in a crash, liability-only won’t pay for your repairs or replacement. Most travelers who want their own vehicle covered choose full coverage Mexican auto insurance for broader protection and peace of mind.

Not sure which fits your trip? Check answers to common questions in our Mexican Auto Insurance FAQ.

Liability-Only vs. Full Coverage

Liability-Only Covers: Damage/injury you cause to others, legal defense and required bonds.
Does Not Cover: Your own vehicle for theft, vandalism, or collision.
Full Coverage Adds: Collision, theft, vandalism, medical payments, legal assistance, and roadside assistance in Mexico.

If an accident happens, follow the steps in our guide on what to do in an accident in Mexico.

Who Underwrites the Policies?

We partner with A+ rated global insurers for dependable payouts and bilingual support:

• CHUBB Mexican Auto Insurance
• HDI Mexican Auto Insurance
• MAPFRE Mexican Auto Insurance

Heading south from Canada? See our guide for snowbirds: Mexican auto insurance for Canadians.

Realistic Examples

Older Pickup, Short Baja Trip

Your 15-year-old pickup isn’t worth much. Liability-only keeps you legal at the lowest cost for a short Baja getaway. If the truck is damaged, you accept the risk.

Newer SUV, Family Vacation

You’re driving a newer SUV to Ensenada. If the vehicle is stolen or totaled, liability-only pays nothing for your loss. Most families choose full coverage for protection.

Why Buy from Mexican Insurance Store

• Top-rated carriers (CHUBB, HDI, MAPFRE) with bilingual adjusters
• Fast online purchase with instant documents in English & Spanish
• Clear guidance, no middlemen or border kiosks
• Thousands of satisfied travelers — read our customer reviews and testimonials

Get a Liability-Only Quote

Meet Mexico’s legal requirements in minutes and hit the road with confidence.

Get a 👉 Mexican auto insurance quote online

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Mexican Insurance Store — Serving U.S. & Canadian drivers since 2004. Policies underwritten by A+ rated insurers including CHUBB, HDI, and MAPFRE.

This page summarizes coverage at a high level. Refer to your policy for specific terms, conditions, and exclusions.