Driving in Mexico: Tijuana Border Crossing and Mexican Auto Insurance

Driving in Mexico: Tijuana Border Crossing and Mexican Auto Insurance

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After two months of exploring the American West with Andrea and showing her the beauty of America’s National Parks from Mount Rainier, to the Grand Canyon, to Yosemite Valley, we decided to take a turn south for Mexico. First stop: driving to Tijuana!

Andrea’s tourist visa for the USA was coming up upon it’s sixth month limit for the year and we decided that we weren’t done truck camping and traveling quite yet.

We weren’t quite sure what to expect when traveling to Mexico: I’d only been there once for a short touristy visit to Cabo San Lucas, and she’d never been. We only ever hear about all the bad things about Mexico: how dangerous it is, the ever-increasing violence, thieves, banditos, etc.

Why Drive in Mexico?

One of our stops on the tour of the American West was to the annual Overland Expo in Flagstaff, Arizona. We made it a point to gather as much info as we could about road tripping through Mexico, visiting all the seminars related to Mexico and chatting with lots of folks who had been before.

Talking with people who have actually been there, done that is one of the best ways to actually cut through the misinformation and make an informed decision for yourself about safety and security in Mexico.

Mexican Auto Insurance

While we were in Southern California we purchased auto insurance for Mexico, a must do before you cross the border. Your US coverage will not cover you there.

NOTE: While Mexican auto insurance coverage is supposedly required, I will mention that no one ever asked to see proof of insurance nor even asked if I had it without proof during 3.5 months. Not the immigration officials, not the police/military checkpoints, nor during the 5x I was pulled over by the cops.

I called and spoke with both Baja Bound and Discover Baja for auto insurance. Discover Baja required an additional membership fee in order to purchase the insurance so we went with Baja Bound.

Your quote for coverage will depend on the age of your vehicle, length of time, and whether you will be traveling to Mainland Mexico as well.

My truck was too old for anything more than basic liability coverage, so it would not be covered in the event of outright theft… Hopefully our luck isn’t that bad.

It total I paid $169.14 for six months of coverage including Mainland Mexico for my 1991 Toyota Pickup. Not too bad.

We were all set to cruise across the border.

Heading to San Diego

Initially we were planning to cross one of the smaller borders like Calexico or Tecate, but with Andrea’s visa to the USA we wanted to chat with some US Border Patrol officials to confirm that she didn’t need to receive an exit stamp or something equivalent and so we opted for the Tijuana border crossing.

After a night truck camping in the amazing Viejas Casino parking lot in the mountains above San Diego we headed down in the morning for the crossing.

This would be my first time driving into Mexico and I wasn’t sure what to expect.

We exchanged our dollars for a few pesos outside the border before heading to the crossing…

Driving to Tijuana

To my utter surprise you just drive directly into Mexico. There was no one to stop us, ask questions, nothing. It’s basically just open.

Now we’re in Mexico!

(Psst... Wanna know the "secret" to traveling forever or being free to do what you love? Here's the answer, in five simple steps)

tijuana border crossing - driving to tijuana

We pulled over near the offices so we could try and track down a US official to chat with about getting an exit stamp, but apparently they were no where to found nearby.

Mexican Tourist Card

In the process we grabbed our Mexican tourist card (FMM) which cost $46 (or would be 295 pesos per person) for the both of us which is valid for six months.

WARNING: Save your receipt for the FMM tourist card or immigration officials may try to charge you for it again upon leaving the country–something we faced when leaving for Belize. Just Google “Mexico Belize Exit Scam” for more stories. There is no exit fee. I would staple your receipt to the tourist card.

After talking to a few Mexican officials who assured us that the Mexican stamp was more than sufficient, but not wanting to push her luck with being able to reenter the US in the future, we decided to turn right around and drive back to the USA border crossing…

Back to the USA

In order to cross back into the USA from Tijuana we had to wait in a terribly long and disorganized line for at least one hour.

We made it back to the USA border crossing to ask the officer, who was a complete smart alec, acting like he had just caught an illegal: “does she even have a visa?” “well, she *was* good until… Oh, yeah a few more weeks. Go on ahead.”

Now we’re back in the USA!

In the end, she needed no exit stamp or anything from the USA.

Back to Mexico

So we pulled yet another U-Turn and ended up driving to Tijuana again. For our third border crossing in as many hours. But this time we would stay in Mexico for at least the next few months.

driving to tijuana border crossing

Bienvenidos a Mexico.

To drive into Baja you do not need to do the temporary vehicle import permit, but you do need the FMM tourist card and separate Mexican vehicle insurance.

If you are continuing on to Mainland Mexico, you can get the temporary vehicle import permit in La Paz (Pichilingue) before boarding the ferry.

Traveling to Baja California on your next trip? Book the perfect room on Booking.com today!

Mexico Travel Guide

Driving in Mexico: Tijuana Border Crossing and Mexican Auto Insurance

Read Next: My Mexico Travel Guide, Tips, and Resources

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Tijuana Border Crossing and Mexican Auto Insurance, What to Know Before You Go

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Driving in Mexico: Tijuana Border Crossing and Mexican Auto Insurance

Ryan

Author, Writer, and Head Honcho at Desk to Dirtbag
Ryan is an author, adventurer, perpetual wanderer, and self-proclaimed dirtbag (but that might not mean what you think). Originally from Seattle, he headed to Washington D.C. where he spent five years working for Congress before heeding the call of the wild. He set out living in his pickup truck to road trip across the American West. Since then he backpacked through Colombia, drove across all of Central America, and also wrote a best selling book: Big Travel, Small Budget. He just finished driving his old truck across all of South America -- support the adventures by visiting the D2D Shop. Follow the adventures on social media or read more about me.

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