CHUBB
Most chosen
Full Coverage
The choice of about half our clients.
- Physical damage to your vehicle & total theft
- Third-party liability & occupant medical payments
- Legal defense & roadside assistance
Licensed agent
CHUBB
Qualitas
AXA
Mexican auto insurance for U.S.-plated cars — and U.S. tourist auto insurance for Mexican plates · SeguritoSegurito.com
Segurito MX
U.S.-plated car · driving into Mexico
From $17 USD/day
Segurito USA
Mexican-plated car · crossing into the U.S.
From $10.35 USD/day
Reference pricing. Terms and conditions apply.
· Why you need it
Your U.S. policy isn't a
Insurance is mandatory to
Your U.S. policy isn't a
Mexican policy.
Insurance is mandatory to
drive in the U.S.
Your U.S. or Canadian auto policy does not constitute valid Mexican insurance. Some U.S. policies offer limited reimbursement near the border, but they don't send an adjuster to the scene, aren't registered with Mexican authorities, and don't satisfy the legal requirement to carry liability insurance on Mexico's federal highways. Only a Mexican-issued policy does all three.
What that means in practice: if you have an accident in Mexico without a Mexican policy, you may be dealing with authorities on your own, in another language, with your trip on hold.
Crossing into the U.S. with Mexican plates? Insurance isn't checked at the port of entry — but it is mandatory to drive, in every state. Driving without it can mean costly fines and, more importantly, paying out of pocket if you're found liable in an accident.
Heads-up: many Mexican full-coverage policies include limited U.S. tourist coverage, but they typically exclude drivers who live, study or work in the U.S. and stays over 30 consecutive days — check your policy before you cross.
· How it works
Three steps.
Three steps.
No paperwork.
No surprises.
-
1
Quote online
Tell us your vehicle and dates. It takes just minutes.
-
2
Choose your coverage
Full Coverage or Liability, and your territory.
-
3
Policy in your inbox
Print it or keep it on your phone. You're road-ready.
-
1
Choose your insurer
Qualitas USA or CHUBB Crossborder — whichever suits you best.
-
2
Quote online
On the insurer's portal pick the days you need and your package, enter your info and your vehicle's, pay, and your policy is issued instantly.
-
3
Get your policy
Download it from the portal or get it by email — ready to show from your phone, no printing needed.
· Coverage options
Pick the protection
What Segurito USA
Pick the protection
that fits your trip.
What Segurito USA
covers.
CHUBB
Meets the law
Liability Only
Meets the legal requirement to drive in Mexico.
- Third-party property & injury
- Legal defense
- Roadside assistance
Extras by planOn-site adjuster · towing to the U.S. border (up to $1,000) · rental car allowance · hotel nights · trip-interruption transport.
TerritoryAll Mexico · Border States · Baja California & Sonora only.
Duration1 to 365 days. Annual plans for frequent travelers.
VehiclesCars, SUVs, pickups, motorcycles, RVs & motorhomes, trailers.
Qualitas
The legal essentials
Liability protection
The legal requirement to drive a Mexican-plated car in the U.S.
- Third-party property & injury — no deductible, legal defense included
- Medical expenses for your car's occupants
- Roadside assistance: towing, tire change, jump start, locksmith
CHUBB
You choose
Territory options
Match the coverage to how deep your trip goes.
- Border states (California, Arizona, New Mexico & Texas)
- All United States
- U.S. + Canada
Duration1 to 365 days — the more days, the lower the daily rate.
Heads-upIt's liability coverage: it does not cover damage to your own car.
InsurersQualitas USA & CHUBB Crossborder.
Coverages, amounts and availability shown are for reference. Terms and conditions of each insurer apply and may change without notice. The controlling document is each insurer's official policy wording in effect at purchase.
· Who we are
Insured by people who
Insured by people who
drive this border.
SeguritoSegurito.com is a licensed Mexican insurance agency on the Texas–Coahuila border (Piedras Negras / Eagle Pass crossing) — we live on this border, so we insure the roads we actually drive. Since 2024 it's the tourist-auto portal of KIXIR, Agencia de Seguros, with over 12 years of experience and recognitions like AXA's Agente Alfa Autos award.
Behind both brands is Vicente Daniel Campos De Luna, a certified insurance agent, backed by a committed team of 3 and by AXA México, CHUBB Crossborder and Qualitas USA — three of the leading insurers in tourist auto coverage.
(Yes, our mascot is a duck. His name is Pato Cruze — a Northern Shoveler that migrates across this border every year, just like our clients.)
12+ years of experience
3 partner insurers
Agente Alfa Autos · AXA
We're one message away. Questions about your purchase, paperwork or a claim — we walk you through it.
We help you choose what we honestly believe is best for you.
Thousands of policies issued and hundreds of clients supported through claims and paperwork. We aim to earn your trust, your preference and your recommendation.
Our goal with SeguritoSegurito.com is a specialized tourist-auto-insurance experience: quote and issue on your own in minutes — and reach us easily whenever you want backup.
· Insurers
Two authorized insurers for
Two authorized insurers for
Two authorized insurers for
your car in Mexico.
Two authorized insurers for
your car in the U.S.
CHUBB
Tourist-auto leader
CHUBB Crossborder México
Instant online quoting for vehicles up to $75,000 USD depending on type. Adjusters across Mexico and 24/7 assistance.
- Instant online quote
- On-site adjusters across Mexico
- Full Coverage available
AXA
Via WhatsApp
AXA México
For high-value vehicles above the online quoting limit. A team member quotes you over WhatsApp.
- High-value vehicles
- Coverage across all Mexico
- Personal service
Qualitas
Recommended
Qualitas USA
Greater Occupant Medical Expenses coverage.
- $5,000 USD per person
- Up to $25,000 USD per vehicle
- Backed by Quálitas, Mexico's auto-insurance leader
CHUBB
Best CA rate
CHUBB Crossborder
The tourist-auto leader. CHUBB's division specialized in border crossings.
- Choose border-states or all-U.S. coverage
- Best rate entering through California
- Backed by CHUBB, a global insurer
Each insurer's coverages, amounts and availability are for reference. Terms and conditions apply, subject to change without notice. Published brochures and policy wordings are informational and may not be the latest version; each insurer's official documentation in effect at purchase prevails.
I drove from North Carolina to Guadalajara. Coming into Guadalajara we had trouble with two tires — we called AXA and they solved the problem for us.
I highly recommend Segurito's service — it's fast and the prices are good.
Great for getting you out of a bind. I used it a couple of times with a car whose insurance didn't cover the U.S., and it was the best option: I only paid for exactly the 2–3 days I needed.
Real customer reviews, translated from Spanish.
· FAQ
Questions travelers ask us.
Is my U.S. auto insurance valid in Mexico?
No. Some U.S. policies reimburse limited damages near the border, but that's not a Mexican policy: no on-site adjuster, no registration with Mexican authorities, and it doesn't meet the legal liability requirement on federal highways. You need a Mexican-issued policy.
Is Mexican insurance legally required?
Liability coverage from a Mexican insurer is required on federal highways — and several states and cities require it locally too. Driving without it can mean detention until responsibilities are settled, plus out-of-pocket damages.
How fast can I get covered?
Most clients finish in minutes. The policy arrives by email — you can buy today and start coverage on your travel date.
Can I buy for just one day? A week? A year?
Yes: 1 to 365 days. Weekend trips, monthly stays, or annual plans for frequent crossers — and the more days you buy, the lower the daily rate.
How much does Mexican auto insurance cost per day?
From $17 USD per day. The exact price depends on your vehicle, the coverage you pick and your trip's length — and you only buy the days you need. The $17 example: liability-only for a 2017 Dodge Journey, all-Mexico coverage, 45-year-old male driver (as of May 2026).
For an exact price, the best move is quoting your own case.
Does it cover my truck / motorcycle / RV / trailer?
Yes. Cars, SUVs, pickups, motorcycles, motorhomes and trailers each have their own plan.
What does Full Coverage include in Mexico?
Damage to your own vehicle, total theft, third-party liability, occupant medical payments, legal defense and roadside assistance. Exact limits are shown before you pay.
Does it cover all of Mexico or just the border zone?
Depends on the insurer and plan. With CHUBB Crossborder you pick from 3 territories:
- All Mexico — drive anywhere in the country.
- Northern border — Baja California, Sonora, Chihuahua, Coahuila, Nuevo León and Tamaulipas.
- Northwest — Baja California, Baja California Sur and Sonora.
With AXA, coverage always includes all of Mexico.
What happens if I have an accident in Mexico?
If anyone is injured or you need the authorities, call 911 first, then your insurer. They'll send an adjuster to the scene — or may assist you remotely if no one else is involved. Their call center guides you step by step, and they handle the process with authorities in Spanish.
Need more help? Message us on WhatsApp or call +52 878 174 0055.
Who can drive the insured car in Mexico?
Anyone with a valid driver's license — including a Mexican license — driving with the owner's permission is covered. Unlike U.S. policies, there's no approved-driver list.
Note: penalties may apply if a Mexican resident drives a U.S.-plated vehicle; check the Paisano program rules if that's your case.
Can I cancel if my plans change?
Yes. Cancellation and refund terms depend on each insurer and on whether the policy already started: before the start date you can usually cancel; once active, refunds are typically limited.
Our recommendation: since you buy exact days, purchase when your trip is solid — ideally 1–2 days before crossing. You pay just for the days you'll use and skip cancellation paperwork.
Does Banjercito require insurance for the temporary import permit (TIP)?
No — Banjercito doesn't ask for insurance: the TIP and your auto policy are completely independent procedures. That said, you'll want both for your trip — the permit lets your vehicle travel beyond the border zone, and the Mexican policy backs you on the road.
The permit is processed with Banjercito; the insurance you solve right here online, in minutes.
Where can I check border wait times for the trip back?
Official CBP-based estimates are on our crossing-times page: live border wait times — by lane, with an hourly forecast for every port of entry.
Why is your mascot a duck?
His name is Pato Cruze, and he's a Northern Shoveler — a duck that migrates every year between Mexico, the United States and Canada, just like the people who cross the border with their car. We couldn't think of a better symbol for our clients: travelers who go back and forth between countries and deserve to cross calm and well covered.
And he warms up a process that's usually all business. His motto: “pa' tu cruce, Segurito” — for your crossing, safe and sound.
How much is U.S. tourist auto insurance for 1 day?
It varies by entry state, vehicle and coverage, but you can get covered from $10.35 USD per day. Minimum daily rates by state (basic package):
| State of entry | Insurer | Price per day |
|---|---|---|
| Arizona | Qualitas | From $10.35 |
| New Mexico | Qualitas | From $10.35 |
| Texas | Qualitas | From $10.35 |
| California | CHUBB | From $12.50 |
Note: base rates as of May 2026; they can vary with your vehicle.
Is insurance mandatory when crossing into the U.S.?
No — insurance isn't a requirement to enter the United States; but it is mandatory to drive, in every state. Driving without it can mean costly fines and, more importantly: if you're found liable in an accident, you pay out of pocket.
Your Segurito backs you with liability, medical expenses, legal defense and towing, up to the contracted limits.
Does my Mexican insurance work on the U.S. side?
Many Mexican full-coverage policies already include a U.S. tourist auto policy at no extra cost — but they almost always exclude drivers who live, study or work in the U.S. and stays over 30 consecutive days. Check your policy before crossing.
Fall into one of those exceptions? We sell Segurito for USA for exactly those cases.
No insurance in Mexico either? We issue regular auto policies too. Quote over WhatsApp
What does the U.S. tourist policy cover?
It's a liability policy for Mexican-plated cars — the legal requirement to drive in the United States. It covers:
- Third-party damage to people and property, no deductible, with legal defense included.
- Medical expenses for your car's occupants: hospital, medical care and ambulance.
- Travel assistance: towing, tire change, jump start, fuel delivery, locksmith, impound fees and a rental car after an accident or total theft.
Important: being liability coverage, it does not cover damage to your own car.
The coverage territory can vary by package: border states (California, Arizona, New Mexico and Texas), all of the U.S., or all of the U.S. and Canada.
How long can I buy it for?
From 1 day up to 1 year. The more days you buy, the better the daily rate.
Can I buy it if I'm already in the United States?
Yes — with Qualitas' Extended Stay (the “Study and/or Work” option), the only one you can purchase while already in the U.S. It's 100% online, with terms from 30 days to 1 year.
How do I receive the policy?
As soon as you pay online, your policy is issued instantly: download it from the insurer's portal or get it by email, ready to show authorities from your phone — no printing needed.
What insurance do I need if my Mexican car stays in the U.S. over 30 days?
If your Mexican-plated car will spend 30 or more consecutive days in the U.S., you most likely need Extended Stay coverage — most tourist policies don't cover long stays. It's 100% online, with terms from 30 days to 1 year.
Heads-up: already in the U.S.? Only Qualitas' Extended Stay applies (the “Study and/or Work” option). Still in Mexico? You can pick Qualitas or CHUBB.
Is there insurance for my Mexican car if I study, work or live in the U.S.?
Yes — Qualitas' and CHUBB's Extended Stay coverages are built exactly for that: they insure your Mexican-plated car while you study, work or reside in the U.S. You buy it 100% online, with terms from 30 days to 1 year.
Heads-up: already in the United States? Only Qualitas' Extended Stay applies (the “Study and/or Work” option). Still in Mexico? You can pick Qualitas or CHUBB.
Note: if you're a U.S. resident, also check whether your state restricts driving a Mexican-plated vehicle — what we explain here covers only the insurance side.
Can a U.S. resident or citizen drive my Mexican-plated car?
Depends on the coverage: with Qualitas' or CHUBB's Extended Stay, yes — your Mexican-plated car is protected even with a U.S. resident or citizen behind the wheel.
⚠️ With regular tourist policies, generally no: most exclude coverage when the driver lives in the United States (a few don't have that exclusion — check the wording before lending the car).
About the law: rules may restrict a resident from routinely driving a Mexican-plated car — check your state. Our expertise is strictly the insurance coverage we sell.
Remember: already in the U.S.? Only Qualitas' Extended Stay (“Study and/or Work”). From Mexico? Qualitas or CHUBB.
Where can I buy per-day car insurance for the U.S.?
Right here, 100% online: pick the exact days you need — 1, 3, 5, whatever — pay the insurer directly and your policy lands in your inbox in minutes. No account needed, any hour of the day — ideal if you cross tomorrow… or you're already in line at the border. From $10.35 USD per day.
Does it cover all of the U.S. or just the border?
Depends on the insurer: Qualitas coverage is nationwide (all of the United States); with CHUBB you choose the territory when quoting — border states only (California, Arizona, New Mexico and Texas), all of the U.S., or even U.S. + Canada. The rate adjusts to your trip's reach: pay less if you stay near the border, extend it at quoting time if your route goes deeper (or up to Canada).
Can I insure a rented or borrowed car to cross into the U.S.?
Yes — as long as it has Mexican plates and will be driven in the United States, you can buy your Segurito USA for a rented or borrowed car. Note: it's liability coverage (third-party damage) — it doesn't cover damage to the rented vehicle itself. And if what you rent is an American car over there, that one doesn't apply: its insurance comes from the rental company.
Why is your mascot a duck?
His name is Pato Cruze, and he's a Northern Shoveler — a duck that migrates every year between Mexico, the United States and Canada, just like the people who cross the border with their car. We couldn't think of a better symbol for our clients: travelers who go back and forth between countries and deserve to cross calm and well covered.
And he warms up a process that's usually all business. His motto: “pa' tu cruce, Segurito” — for your crossing, safe and sound.
Ready for the road?
Get your Mexican policyU.S. tourist policy online in minutes — instant email delivery.
