Mexican Insurance Pacific Beach

The Baja Surfing community asked us to offer Mexican insurance in Pacific Beach. We took a look at it, and agree this is an excellent place to set up shop! But instead of navigating the busy traffic on Grant and Garnet during the summer, we deployed a mobile website so that our surfing friends can purchase Mexican car insurance from the best broker, online.

Surfers North of the Pier in Pacific Beach at sunset
Surfers North of the Pier in Pacific Beach at sunset

Are you considering making the trip down south to Mexico from Pacific Beach? Are you coming from up north, making a quick stop in PB to take in the sights and local flavor before trading in your dollars for pesos? It takes just under 20 minutes to drive from Pacific Beach to the Tijuana border, making for a great weekend getaway. Before crossing the border, however, you will require to make proper arrangements for Mexican car insurance.

Insurance Requirements in Mexico

Mexican law as of 2019 requires that all vehicles operating within the country must have valid third-party liability insurance. The minimum amount of third-party insurance is 100,000 USD. It is our recommendation, however, to get about 300,000 to 1,000,000 USD of coverage. Obviously, the chances of you causing the death of someone in Mexico as a result of your driving is slim. But we don’t want you to have any issues, and the cost is worth it.

Mexican Car Insurance Crystal Pier in Pacific Beach, San Diego California
Crystal Pier in Pacific Beach, San Diego California

Note that only approved Mexican insurance companies may issue Mexican car insurance. No matter how comprehensive your US or Canadian insurance coverage is, it is not valid on Mexican soil. You may have a US company that provides protection for your car, but they can’t do anything for damages caused by you. This is called third-party liability, and it’s the law to carry in Mexico.

All® policies automatically include 24×7 Roadside Assistance for Mexico

Fines for not having this third-party insurance can be upwards of 150 USD. The worst-case scenario is an arrest and time in Mexican lockup while you sort out the damages. If you’re in a serious accident without proper insurance, the likelihood of a full-fledged investigation and jail-time is a serious possibility.

Who Needs Mexican Car Insurance?

As mentioned above, every car that is operating within Mexico requires Mexican car insurance. This is true even if you’re traveling within the Mexico free zone areas. Whether you’re driving in from Canada or the US, make sure you have proper coverage before entering Mexico.

How Do You Get Mexican Insurance in PB?

By law, you’ll require to get Mexican car insurance either directly through a Mexican insurance company or through a US-based insurance company that works directly with a Mexican insurance company. There are two ways you can get Mexican car insurance:

  1. At the Mexico border: Typically, border towns will have Mexican insurance companies available for those who need it. For example, if you travel from Lakeside, there are multiple insurance companies right before you hit the border. It’s generally not wise to purchase at the border due to the higher costs, though. You’re also in more of a rush with little access to any type of pricing/coverage option research.
  2. US insurance companies: Before visiting Mexico, you can pay a visit to any US-based insurance company that offers Mexican car insurance. You’ll be able to research rates, assess your coverage options, and head to Mexico with a solid understanding of your insurance plan.

Play It Safe

The short drive to the Mexican border from Pacific Beach makes for a convenient trip down south. Whether you’re visiting Mexico for business or leisure, make sure you’re properly covered with Mexican Car Insurance in Pacific Beach. 

Here at®, we provide PB residents with Mexican insurance online since 2003. Save the hassle of trying to figure out car insurance in Mexico by shopping with us. We work directly with a leading Mexican insurance company to get you the best rates so that you have coverage if anything happens on your trip.

Get a quick, free quote to get your Mexican insurance today!

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