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Get Auto Insurance coverage in Puerto Rico


Rachel Bodine graduated from faculty with a BA in English. She has since labored as a Characteristic Author within the insurance coverage trade and gained a deep information of state and countrywide insurance coverage legal guidelines and charges. Her analysis and writing deal with serving to readers perceive their insurance coverage protection and easy methods to discover financial savings. Her professional recommendation on insurance coverage has been featured on websites like PhotoEnforced, All…

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Rachel Bodine


Insurance coverage Characteristic Author


Leslie Kasperowicz holds a BA in Social Sciences from the College of Winnipeg. She spent a number of years as a Farmers Insurance coverage CSR, gaining a stable understanding of insurance coverage merchandise together with residence, life, auto, and business and dealing straight with insurance coverage clients to know their wants. She has since used that information in her greater than ten years as a author, largely within the insurance coverage…

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Leslie Kasperowicz



Farmers CSR for 4 Years


Leslie Kasperowicz

UPDATED: Jun 6, 2022

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Searching for details about auto insurance coverage in Puerto Rico? You’ve come to the best place. We’re insurance coverage specialists – and we’re right here to inform you every part that you must find out about Puerto Rican automotive insurance coverage. We’ll clarify how PR automotive insurance coverage works, how to economize on auto insurance coverage in Puerto Rico, and the way a lot you’ll be able to anticipate to pay for automotive insurance coverage on this U.S. island territory.

Auto Insurance coverage Necessities in Puerto Rico

Puerto Rico is a no-fault territory. Meaning, like 12 states in America, Puerto Rico requires drivers to hold no-fault insurance coverage protection, also called obligatory legal responsibility insurance coverage (CLI).

Each driver in Puerto Rico is required to have a minimal of $3,000 in legal responsibility insurance coverage protection. Your legal responsibility protection will routinely cowl your individual damages and medical bills no matter who’s at-fault for the collision.

In different phrases, Puerto Rican drivers are anticipated to make use of their very own insurance coverage to cowl damages and medical bills – even when one other driver prompted the collision.

Usually, drivers in states and territories with no-fault insurance coverage necessities can pay extra for automotive insurance coverage than drivers in different states. Nonetheless, Puerto Rico has a singular system the place the federal government can present primary legal responsibility insurance coverage at an inexpensive fee.

Evaluate over 200 auto insurance coverage firms directly!

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Bodily Damage Requirement for Automobile Insurance coverage in Puerto Rico

Puerto Rico doesn’t require drivers to have full legal responsibility insurance coverage protection for accidents, dismemberment, and loss of life. Nonetheless, the territory does require drivers to have medical legal responsibility insurance coverage that capabilities like private damage safety.

Most no-fault states in America – like Michigan and Florida – require drivers to have private damage safety (PIP) insurance coverage. Puerto Rico’s medical legal responsibility insurance coverage capabilities much like PIP safety.

Puerto Rico drivers purchase medical legal responsibility insurance coverage from the Company for the Compensation of Car Accidents (ACAA). This group gives obligatory protection, together with the fundamental legally-required limits for all drivers on Puerto Rico roads.

Nonetheless, many Puerto Rico drivers select to exceed this protection by working with a non-public insurance coverage firm. By default, the Company for the Compensation of Car Accidents solely gives $3,000 of medical legal responsibility insurance coverage. When you’re concerned in an accident that results in medical payments exceeding $3,000, then it’s possible you’ll be required to pay out of pocket.

Paying for State Insurance coverage Versus Personal Insurance coverage

One of many main variations between Puerto Rico and different components of the USA is the authorities insurance coverage system.

The federal government of Puerto Rico gives automotive insurance coverage to drivers in PR. You’ll get this automotive insurance coverage whenever you get your tags and marbete sticker.

Beneath the federal government automotive insurance coverage, your plan will cowl the opposite driver – not you or your individual car. It’s much like primary legal responsibility insurance coverage you will get from personal insurance coverage firms in different components of the USA.

Puerto Rico’s ACAA insurance coverage also can cowl your house insurance coverage and renters’ insurance coverage.

Though Puerto Rico gives insurance coverage by means of the territorial authorities, you can too select to work with a non-public insurance coverage firm for supplemental protection – say, if you wish to shield your individual car or medical bills within the occasion of a collision.

When you do get insurance coverage by means of an agent in Puerto Rico, then you definately should not have to pay for the territorial insurance coverage in Puerto Rico. You’ll be able to present the federal government your protection papers as proof that you just’re insured.

It’s essential to notice that Puerto Rico’s authorities insurance coverage from the ACAA are obligatory: these are obligatory insurance coverage that cowl private accidents, sickness, dismemberment, or loss of life from an car accident.

Sure Prices Are Included in your Annual Automobile Registration Price

While you register your car in Puerto Rico, you’ll pay sure insurance coverage prices upon registration.

Your CLI premium, for instance, can be bundled along with your annual registration price. That premium is ready at $99 per 12 months for a non-public passenger car and $148 for a business car.

Evaluate over 200 auto insurance coverage firms directly!

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Driving With out Insurance coverage in Puerto Rico

Puerto Rico doesn’t require drivers to have uninsured motorist protection. As an alternative, the no-fault insurance coverage system means your insurance coverage firm pays even when the opposite driver was at-fault – and even when the opposite driver didn’t have insurance coverage.

When you’re caught driving with out insurance coverage in Puerto Rico, then it’s possible you’ll be charged with a misdemeanor and a advantageous of as much as $500.

Different fines additionally apply for expired registration, no ACAA protection, and no inspection.

Moreover, driving with out insurance coverage in Puerto Rico exposes your self to legal responsibility. When you’re in an accident and also you’re discovered to be at fault, then it’s possible you’ll be required to pay out-of-pocket for all damages and medical bills you prompted.

Conclusion: Evaluate Automobile Insurance coverage Quotes in Puerto Rico Right this moment

Puerto Rico’s ACAA gives primary legal responsibility protection for many drivers in Puerto Rico at an inexpensive fee. Nonetheless, you’ll be able to select to buy your individual personal automotive insurance coverage to get pleasure from higher safety – say, if you wish to have greater than $3,000 in legal responsibility protection.

Evaluate automotive insurance coverage quotes in Puerto Rico at the moment and be sure to get the very best worth in your subsequent automotive insurance coverage plan in PR.

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