Texas drivers have dozens of options when it comes to car insurance coverage. Baja Auto Insurance is a popular choice among drivers in the Dallas/Fort Worth area. Keep reading to see what we discovered in our Baja car insurance review and to find the best car insurance in Texas. We’ve reviewed the best auto insurance providers and compiled a list of our top recommendations.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. What’s best for someone else might not be best for you and your coverage needs.

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Baja Auto Insurance Overview

Baja Auto Insurance has been selling policies to Texas drivers since 2006. It operates 59 offices across the Dallas/Fort Worth area and offers bilingual services. Baja Auto Insurance prides itself on offering its customers competitive rates and efficient service. According to its website, an agent can provide a quote and help a customer purchase a policy and print an insurance card in minutes.

The company can find coverage options for drivers with clean driving records and those with blemishes, such as tickets, accidents, and DUIs, which often make it difficult to find coverage. Baja Auto Insurance offers policies that can cover a wide range of vehicles, including:

  • Car
  • Truck
  • SUV
  • Motorcycle
  • Scooter
  • ATV
  • Motocross
  • Dirt bike
  • Moped
  • Snowmobile
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Baja Auto Insurance Coverage

There are several types of standard auto insurance. Some of them are mandatory in all cases, some are required for certain drivers, and others are optional in some states. Here are the following types covered:

  • Liability
  • Uninsured/underinsured motorist
  • Comprehensive
  • Collision
  • Medical payments
  • Personal injury protection (PIP)

Baja Auto Insurance offers roadside assistance coverage that includes towing, jump-starting a dead battery, pulling a vehicle out of snow, changing a flat tire, helping a driver who is locked out of a vehicle, and bringing fuel if the driver has run out. The company sells a variety of policy types, including multi-policy and multi-car.

Baja Auto Insurance Cost

When it comes to the cost of Baja Auto Insurance, several factors can affect your annual premium. These include:

  • Location
  • Vehicle type
  • Age
  • Gender
  • Marital status
  • Credit score
  • Driving record

Baja Auto Insurance considers itself a cheap, low-cost coverage provider for a multitude of vehicle types. According to our rate estimates from Quadrant Information Services, the national average rate for a car insurance premium is $1,732 annually, with rates from national providers ranging from $1,000 to $3,000.

Baja Auto Insurance Discounts

Auto insurers typically offer discounts that help drivers who meet certain criteria save money. For example, Baja Auto Insurance offers multi-policy, multi-vehicle, good driver, and student discounts, among others. There is not a full list available on their website.

We recommend either using the easy tool below so you can be matched with the best rates and providers available in your area.

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Enter your zip code to shop for the best rates in your area:

Does Baja Auto Insurance Have Coverage For Travel In Mexico?

All Texas drivers operating a vehicle in Mexico must have liability insurance issued by a company licensed in Mexico. Your U.S. car insurance policy most likely won’t cover you at all if you take a trip south of the border and get into an accident. Driving in Mexico without Mexican insurance could land you in financial hot water, and possibly even in jail.

You will need to purchase a separate policy to cover you for the time you intend to visit Mexico. If you plan to rent a car in the U.S. and drive into Mexico, you can buy collision coverage from the rental company, but you’ll need liability coverage from an insurance company licensed in Mexico.

Rates vary based on the types of coverage included, the time period covered, the insurance company providing coverage, and when the policy was purchased. Bring your car’s registration along for your trip to Mexico. Border officials may request that document to prove the vehicle wasn’t stolen and you aren’t trying to import it illegally.

Baja Car Insurance Reviews

Baja Auto Insurance has received a B- rating from the Better Business Bureau. The BBB cited the reason for the rating as “failure to respond to one complaint filed against business.” Baja Car Insurance reviews are mixed, but there are few customer reviews available online. Here are some that we were able to find:

Positive Baja Car Insurance Reviews

“Great quote and great customer service from [customer service provider]. She found me a price that I could afford full coverage with everything I need! Thanks again.”

– Angela A. via Yelp

Negative Baja Car Insurance Reviews

“I was not notified of my policy being canceled or why it was increased. It was also canceled the day after we paid it.”

“This has got to be one of the most unprofessional businesses I have ever been to. I would recommend any and everybody stay as far away.”

Our Take On Baja Auto Insurance

Baja Auto Insurance lets drivers in Texas compare quotes from several insurers at once to save time and find the best rates. With dozens of offices across the Dallas/Fort Worth area, it’s easy for customers who prefer a face-to-face conversation to speak with a local agent. It also offers several premium payment options.

Baja Auto Insurance finds coverage for customers with all sorts of driving records. Its agents can quickly connect customers with affordable insurance policies. Drivers who plan to visit Mexico will have to look elsewhere for tourist auto insurance since Baja Auto Insurance doesn’t include that among the types of coverage it offers.

The company has earned mixed reviews when it comes to the quality of its customer service. It may still be a good option, though, for drivers who are looking for inexpensive coverage or who have had trouble finding a car insurance policy elsewhere because of problems in their driving history.

Pros Save time by comparing several quotes at one time Offers coverage to customers with problematic driving records Dozens of offices in the Dallas/Fort Worth area Gives customers several ways to pay premiums
Cons Doesn’t offer Mexico tourist auto insurance Doesn’t offer Mexico tourist auto insurance

Other Recommendations

Before purchasing a car insurance policy, it’s always a good idea to request quotes from several companies. We’ve taken an in-depth look at the best auto insurance companies, and GEICO and Progressive are among our top picks.

Geico: Best Overall

We reviewed Geico as the best overall choice for auto insurance because it offers drivers a range of options and competitive prices. In addition, Geico has received an A++ rating from AM Best and an A+ from the Better Business Bureau. For more information about coverage, discounts, and customer satisfaction, read our Geico review.

Progressive: Best For High-Risk Drivers

In our Progressive review, we found that Progressive is a good choice for those on a budget. It lets customers use the Name Your Price® tool to find coverage that matches their budget. The company also offers several other options to earn discounts and has earned an A+ rating from AM Best.

FAQ: Baja Auto Insurance Review


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.