Mexican liability (Responsabilidad Civil)
Covers bodily injury and property damage you cause to others in Mexico, up to your policy limit. This is the coverage Mexican authorities look for.
Mexico Auto Insurance for Cars, Minivans, Vans, SUVs and Crossovers
A U.S. auto policy is not accepted as liability coverage in Mexico. To drive legally south of the border you need a policy issued by a Mexican insurer — that is what you buy through El Valiente Insurance, underwritten by Chubb.
This page covers U.S.-plated passenger vehicles: sedans, hatchbacks, coupes, wagons, minivans, passenger and cargo vans, SUVs and crossovers. A weekend in Rosarito or months of regular crossings, the quote takes minutes.
Who this coverage is for
- Tourists and families driving a U.S.-plated car, minivan, van, SUV or crossover into Mexico.
- Frequent border crossers who want an annual term instead of a policy every trip.
- Snowbirds and long-stay travelers heading to Baja, Sonora, Sinaloa or mainland Mexico.
- Anyone who needs proof of Mexico-issued coverage at a checkpoint.
Protection categories available
What you can include depends on the plan, the vehicle and carrier eligibility. The coverages, limits, deductibles and exclusions that apply are the ones shown during quoting and printed on your policy.
Physical damage and theft
Available on full-coverage plans when the vehicle is eligible. Deductibles and exclusions are stated in the policy you receive at checkout.
Legal assistance and bail bond
Legal support and bail bond services after a covered accident in Mexico, subject to policy terms.
Roadside assistance
Towing, flat-tire help, jump-start, fuel delivery and locksmith service inside the covered travel area, subject to availability.
Medical payments
Medical expenses for occupants of your vehicle after a covered accident, up to the limit shown on the policy.
Availability, coverage and pricing are subject to the vehicle, carrier eligibility and the policy terms, conditions and exclusions shown during quoting. Coverage is available only for eligible U.S.-plated vehicles. This page is general information, not a promise of coverage.
How to get a quote
The quote runs on our secure partner platform, and you choose the coverage before you pay.
- Give us the vehicle details: year, make, model, current market value, plate and VIN.
- Choose your travel dates — terms run from one day to a full year.
- Pick liability only or full coverage and review limits, deductibles and price.
- Pay and download your policy and proof of coverage before you reach the border.
Information you should have ready
- Valid driver license for each driver you want listed.
- Vehicle registration or title showing the plate and VIN.
- Year, make, model and current value of the vehicle.
- Trip start and end dates, and an email for your policy documents.
- A Banjercito temporary import permit (TIP) if you travel beyond the free zone.
Frequently asked questions
Is my U.S. auto insurance valid in Mexico?
For liability purposes, no. Mexican authorities require liability coverage issued by an insurer licensed in Mexico. Some U.S. policies extend limited physical damage near the border, but that is not a substitute.
Does a rental car or a leased car qualify?
It depends on the paperwork. Leased and financed vehicles often need lienholder authorization, and many rental agreements prohibit travel into Mexico. Eligibility is confirmed during quoting.
How long can the policy last?
Terms range from a single day to a full year. If your plans change mid-trip, contact us before the policy expires rather than after.
Do I need a vehicle import permit?
Generally yes, once you travel beyond the border free zone or Baja California. Our Banjercito guide explains the process.
What should I carry in the car?
Your policy and proof of coverage (printed and digital), driver license, vehicle registration, passport, and your TIP if one applies.