Driving to Tijuana, Ensenada, Rosarito, Mexicali, or deeper into Baja or mainland Mexico – your U.S. auto policy is not recognized by Mexican authorities. You need Mexico-issued liability at minimum. We set you up in minutes with the right policy period and coverage so you can cross with confidence.

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Why you need a Mexico policy

• Mexican law requires liability insurance from a Mexico-licensed carrier
• U.S. policies do not satisfy police or courts in Mexico
• If you cause an accident without Mexico liability, you can face fines, vehicle impound, or legal issues
  We quote multiple Mexico carriers and issue your policy same day.

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Coverage options

Liability only

• Satisfies legal requirement
• Covers bodily injury and property damage you cause to others
• Lowest cost, good for quick border trips

Full coverage

• Liability plus physical damage and theft for your vehicle
• Includes partial theft, glass, vandalism, and some roadside benefits
• Recommended for overnight stays or highway travel beyond the border zone

Popular add-ons

• Legal assistance and bail bond support
• Roadside assistance and towing
• Medical payments for you and passengers
• Fixed deductibles for collision and theft
• Coverage for trailers and towed items when eligible

We will explain deductibles and what is covered or excluded before you buy.

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Trip lengths and policy types

• 1 day, weekend, or short trip policies
• 7, 15, 30 day options
• 6 month and 12 month policies for frequent travelers
  Longer terms often cost less per day if you cross regularly.

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Where you are going matters

• Border zone and Baja routes still require Mexico liability
• Mainland travel or outside free zones may require a temporary import permit for the vehicle
• Some states and toll roads have special requirements for towing and trailers
  Tell us your route and we will size coverage and documents correctly.

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What we need to issue

• Vehicle info – year, make, model, VIN, plate
• Driver info – name, license, birthdate
• Trip dates and main destinations
• Lienholder if any
• Any trailer or towed item details

We print or email your policy and proof of insurance for border checkpoints.

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Claims and accidents in Mexico

• Call the Mexico carrier’s claims number on your policy from the scene
• Wait for an adjuster before moving the vehicle unless it is unsafe
• Get police report numbers and photos if possible
• Your legal assistance benefit, if included, coordinates guidance
  We walk you through the process step by step so you are not guessing roadside.

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Common situations we handle

• Day trip to Tijuana or Rosarito – liability or full coverage for 1 to 3 days
• Weekend in Ensenada or Valle de Guadalupe – full coverage with roadside
• Baja road trip – 1 to 4 weeks with fixed deductibles and towing
• Mainland vacation – longer term policy and travel guidance
• Towing a small trailer – add-on liability and physical damage if eligible

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Important notes

• Rental cars in Mexico require the rental agency’s Mexico coverage
• Off-road racing, commercial use, and alcohol-related incidents are excluded
• Driver count, towing limits, and territory rules vary by carrier
• Keep your U.S. registration and license with you at all times

We match the carrier to your vehicle, route, and risk tolerance.

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Get your Mexico auto policy

Call 619-736-1313
Email service@paylowinsurance.com
Visit 415 Fletcher Pkwy Ste 306, El Cajon, CA 92020

Hours
Mon – Fri – 9AM – 6PM
Sat – 10AM – 2PM

We issue Mexico auto liability and full coverage policies fast, with clear deductibles and real claims support, so your trip is focused on the road and not paperwork.