Rocky Point Insurance

Rocky Point, so-called by most tourists, is also popularly dubbed “Arizona’s Beach.” Whatever you call this famous Mexican destination, its real name is Puerto Peñasco and it is a city in the State of Sonora in Mexico. It’s easy to forget when you drive to “Arizona Beach” that you’re driving into another country and as such, must follow those laws. First and foremost, you must have proof of financial responsibility from a Mexican company. Or, “Mexican insurance” as most people call it.

What are the Minimum Insurance Requirements for Rocky Point?

Rocky point insurance is required, even if your US insurance extends their coverage within 50 miles of the border. Because Puerto Penasco is 65 miles from the border, you need Comprehensive and Collision in addition to the legally mandated Liability coverage. To speak in simple terms, there are some US companies that maintain protection for damage and theft of your car within a certain distance of the border, but that does not include damage you may cause to a third party in an accident. If you’re in an accident and found guilty, you may be detained unless you have insurance from a Mexican company.

Here is a video on Mexican liability insurance:

Lienholder = The company you make payments to.

If you make payments on your car or truck, then the company you pay on a monthly basis is your lienholder. A lienholder always requires that you also carry coverage from a Mexican company for damage or theft of your vehicle.

Complete Coverage Mexican insurance is when you combine Liability insurance with Comprehensive and Collision insurance.

How Much Does Insurance Cost for Rocky Point?

The cost for Rocky Point insurance depends on how much liability coverage you want. It also factors how valuable your vehicle is. Here is an example quote, and for simplicity’s sake we are displaying one underwriter “Qualitas”.

Example for Complete Coverage: a 2015 Audi S4 with a value of $30,000, selecting a $300,000 liability limit for a term of a 4-day weekend cost $59.93.

Rocky Point Insurance 4 Days — Rocky Point Car Insurance for 4 Days

Other Border Crossing Considerations

Fortunately, Rocky Point is in the “free-zone” so you won’t need a Temporary Import Permit. However, Mexican federal law requires all visitors to Mexico to secure a temporary visa, also called an FMM or “Tourist Card”. For your convenience, we put all these items and more consideration for crossing the border here, on this border crossing checklist. And, don’t forget to download your maps for Rocky Point.