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Mexican-Plated Auto Insurance You Need When Living in Mexico

Novamar is committed to offering vehicle insurance for Mexico residents on par with industry standards. Our protections for comp, collision and liability offer suitable coverages for all types of vehicles.

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Novamar Mexico License Plate Auto Policy Features

Novamar Advantage icon The Novamar Advantage

A fully-staffed office in Mexico, fluent in English and Spanish, is available to assist you.

Top-rated underwriters icon Top-rated Underwriters

Novamar partners with only top-rated underwriters like Chubb, Qualitas, HDI and Ana Seguros to best serve our clients.

Repairs in Dealerships icon Repairs in Dealerships

Our insurance companies pay claims based on dealership quality work and pricing. With the option to use original parts when repairing your vehicle.

Legal assistance icon Legal Assistance

Bilingual legal assistance available.

Claims assistance icon Novamar’s Claims Assistance

Our experienced bilingual in-house claims team is ready to assist you and help in the communication between you, your insurance company, and the adjuster assigned to your case during the claim process

Roadside assistance icon Roadside Assistance

Roadside assistance available 24/7

Extended Liability Coverages for the U.S. and Canada icon Extended Liability Coverages for the U.S. and Canada

Temporary liability coverage for Mexican-registered vehicles driving to the U.S. and Canada. Add-on coverage.

Liability Coverage Extended to Other Vehicles icon Liability Coverage Extended to Other Vehicles

Liability coverage extends to vehicles for personal use.

Please note

Coverage descriptions are provided for general informational purposes only. Actual coverage is subject to the terms, conditions, limitations, and exclusions of the applicable insurance policy.

With offices in the US and in Mexico, Novamar is always at your service.

offices

With offices in the US and in Mexico, Novamar is always at your service.

Our Mexico office is fluent in English and Spanish, assuring a familiar voice when you need it most.

Top-Rated Underwriters

Resident Auto Insurance FAQ’s

Your policy primarily covers the driver listed as the insured. It also extends coverage to anyone driving your vehicle with your permission, as long as they have a valid driver's license and are using the vehicle legally.
This means that if you lend your car to a family member or friend, they may also be covered under your policy.
he most important first step is to call your insurance company. The adjuster (the insurance company's on-site representative) is responsible for handling the entire situation.
Steps to follow:
  • Stay calm and check if anyone is injured.
  • Do not move your vehicle unless it is in a dangerous location or authorities instruct you to do so.
  • Take photos of the scene and any damages.
  • Call the assistance number listed on your policy. (If you do not have this information, you can find it directly with insurers such as Qualitas, HDI, Chubb Seguros, or ANA Seguros.)
  • Wait for the adjuster to arrive. They will speak with the other party, the police, and you.
  • The adjuster will guide you through the next steps and file the accident report.
In Mexico, the adjuster plays a key role. Never attempt to settle an accident directly with the other party.
Yes. A Mexican auto insurance policy covers your vehicle throughout the entire country, including major cities, highways, and small towns. Coverage includes traffic accidents, third-party liability, and—depending on your plan—also theft and roadside assistance.
  • Tourist Auto Insurance: Designed for individuals temporarily visiting Mexico from the U.S. or Canada while driving vehicles with foreign plates. Coverage can range from 1 day up to 1 year.
  • Resident Auto Insurance: Intended for vehicles with Mexican license plates and typically issued with a 1-year term.
If your vehicle has foreign plates, you must purchase a Tourist Auto Insurance policy.
Under standard conditions of Mexican auto insurance policies, some coverages may extend into the United States and Canada.
If your policy includes Physical Damage or Total Theft, those coverages may apply while driving in the U.S. or Canada.
However, Liability Coverage (damage you cause to others or their property) is not automatically included in those countries.
To be protected in case of an at-fault accident, you must purchase an additional endorsement called U.S. and Canada Liability Extension.
This provides full protection for both your vehicle and third-party damages when crossing the border.
No. You cannot purchase a personal auto insurance policy for a rental vehicle.
When renting a car in Mexico, the rental company includes a mandatory basic insurance—usually Liability Coverage—to cover damage to third parties.
However, this basic coverage often does not protect the rental vehicle itself or your own expenses in the event of an accident or theft.
For broader protection, you must review and purchase additional coverage directly through the rental company, as these options are part of their agreement with their insurer.
You must notify the insurance company when you sell your vehicle. You have two options:
  • Cancel the policy and request a refund for the unused portion of the premium (subject to required documentation).
  • Transfer the policy to a new vehicle, provided it remains with the same insurance company.
Auto insurance policies in Mexico are typically issued on a one-year basis. Before the policy expires, the insurance company will notify you to renew it. If it is not renewed, coverage automatically ends.
Policies may be canceled at any time. In the case of early cancellation, some insurers refund the unused portion of the premium, minus an administrative fee for early termination.
If your vehicle has non-factory modifications or accessories (such as custom wheels, sound systems, suspension changes, armor, or conversions), it is essential to disclose them when purchasing your policy.
Insurance companies generally cover vehicles in their original factory condition. Undeclared modifications may not be covered or reimbursed in the event of an accident, total loss, or theft.
Important note: Not all modifications are insurable. Each case is reviewed individually, and invoices or proof of purchase are required. Final acceptance is always subject to the insurance company's approval.
Standard coverage in Mexico primarily protects against total vehicle theft.
Partial theft (mirrors, tires, headlights, stereos, etc.) is typically not included, unless you purchase a specific endorsement for Partial Theft of Auto Parts.
Basic required documents include:
  • Your valid insurance policy
  • A valid driver's license
  • Your vehicle registration card
In the case of theft, a police report is also required.
Under Mexico's Insurance Contract Law, auto insurance policies generally require claims to be reported immediately or within a maximum of 48 hours from the moment you become aware of the accident, theft, or loss.
Our recommendation: Always report the claim at the time of the incident by calling your policy's assistance number. Delaying the report may result in claim denial.
  • Basic Coverage: Includes liability coverage for damage you cause to others. This is the minimum required by Mexican law.
  • Intermediate Coverage: Includes liability plus protection against total theft and certain natural events such as hail or flooding.
  • Full Coverage (All-Risk): Covers most scenarios, including damage to your own vehicle—even if you are at fault.
  • Vehicle registration card
  • Valid driver's license
  • Full name and contact information (address, phone number, email)
  • Photos for special vehicles (motorcycles, ATVs, Side-by-Sides) or as required by the insurer
Insurance premiums are determined by several factors, including:
  • Vehicle year, make, and model
  • Where the vehicle is driven or garaged
  • The insurer's loss statistics related to accidents and theft for that type of vehicle
Market value is the vehicle's value at the time of the loss. For example, if you purchased your vehicle five years ago for MXN $400,000, its current market value may be MXN $250,000, based on industry valuation guides.
This is the amount the insurer would pay in the event of total loss or theft.
You should always have:
  • Your driver's license
  • Your vehicle registration
  • Your insurance policy number (printed or digital)
With your policy number, the adjuster can immediately identify your coverage in case of an accident.
Coverage depends on the plan purchased. Some policies include windshield and glass repair or replacement. If you have full coverage that includes Physical Damage, glass coverage is typically included.