Mexican insurance for Baja and beyond.
Quote in a few minutes — print your policy before you go →
Why you need Mexican insurance.
A lot of people learn this the hard way: Mexico does not recognize U.S. or Canadian liability insurance — even a “Mexico endorsement” from your home insurer. A real Mexican policy is the law.
Every driver in Mexico has to carry Mexican liability coverage.
Mexico does not recognize a U.S. or Canadian policy as proof of liability — not even a “Mexico endorsement.” After an accident, uninsured drivers are the most likely to be detained until liability is sorted, regardless of fault.
Your home policy doesn't count
It may cover physical damage to your own vehicle, but Mexico won’t accept it as valid proof of liability — endorsement or not.
A real policy does two things
It satisfies the legal requirement, and backs you with claims support and legal aid on the ground — the difference between a long afternoon and a bad week.
Why buy through Vagabundos.
The club buys as a group — careful drivers, low claims — and passes the rate back to members. It’s the original reason Vagabundos exists.
Real claims support
A policy is only worth what the claims team behind it is worth. Ours pays out, on time.
Legal Aid included
A serious accident can be treated as a criminal matter. One call brings a Mexican attorney — at no extra cost.
Reviewed every year
Coverage and rates are looked at annually, so members keep getting a fair deal.
Not a member yet? You can join and insure in the same sitting.
Find the right coverage.
Three questions decide what you need: where you’re going, what you’re driving, and how much protection you want.
Vehicle Insurance
Liability is the legal minimum Mexico accepts. Full coverage adds protection for your own vehicle — collision, rollover, glass, theft. Cars, motorcycles, motorhomes, and anything you’re towing.
Coverage Areas
Coverage for the Baja peninsula or all of Mexico. Heading to the mainland or taking the ferry across to Mazatlán or Topolobampo? You’ll want the wider territory.
Travel Medevac
Insurance for your vehicle isn’t insurance for you. Medevac handles emergency medical transport if something happens far from a hospital that can treat it.
Already know what you want? Get a Quote → · Renewing? Renew here →
The essentials.
A few things worth sorting before you leave, so nothing slows you down at the border.
Vehicle permit
No Temporary Vehicle Importation Permit needed for the Baja peninsula (free zone, Tijuana to Cabo). You do need one for mainland Mexico, including the ferry from La Paz to Mazatlán / Topolobampo. Permits come from Banjercito only.
Borrowing or financing the vehicle?
If there’s a lien, your lender will usually want proof the vehicle is insured in Mexico — we can add the lienholder. Driving someone else’s vehicle? You’ll generally need a notarized letter of permission. Allow time for the paperwork.
Know your policy before you go
Towing covered? Personal items covered? What’s your deductible? Answer these at the kitchen table, not at the scene.
Straight answers.
Does my U.S. or Canadian insurance cover me in Mexico?
It might cover damage to your own vehicle, but Mexico doesn’t recognize U.S. or Canadian liability insurance. You need a Mexican policy to drive legally.
Is a "Mexico endorsement" enough?
No. An endorsement isn’t Mexican auto insurance — it usually doesn’t meet the mandatory liability requirement, and it tends to carry tight distance and trip limits.
What does Liability Only cover?
The minimum Mexico accepts: damage to others’ property, legal liability for injury or death to people outside your vehicle, and medical for people in your vehicle. It does not cover your own vehicle.
Do I need a vehicle permit?
Not for the Baja peninsula; yes for mainland Mexico. It’s separate from insurance and comes from Banjercito. See Before You Go →
What is the Legal Aid coverage?
An accident can be treated as a criminal matter, and you may be detained. Legal Aid brings a Mexican attorney — included at no extra cost.
What if I have a loan on the vehicle?
Most lenders want proof the vehicle is insured in Mexico; we can add your lienholder on request. Allow time for the paperwork.
What questions can you and can't you answer?
We’re glad to explain policies, terms, and travel & safety. We can’t adjust or negotiate claims — that’s between you and the insurer. Contact us →