The most complete car insurance: own damage, theft, extended liability, medical expenses and roadside help. Two to three times pricier than SOAP alone. For a car with a market value under 80,000 pesos, the annual cost sometimes isn't worth it; above 150,000 pesos it almost always is.
Auto insurance in Mexico ranks in three tiers. Amplia is the top: theft, collision (partial and total), weather damage, glass breakage, plus third-party liability. Limitada sits in the middle: covers theft and total loss but not partial damage from a fender-bender. RC (Responsabilidad Civil) is the legal minimum — only third-party bodily injury and property damage, nothing on your own car.
Cost delta in 2026 for a 2020-2023 mid-range sedan: Amplia annual premium runs 8,000-15,000 pesos; Limitada 4,500-8,000; RC 1,800-3,500. The Amplia-to-RC premium is roughly 2.5-3x. Financed cars almost always require Amplia while the loan is active — the lender's collateral clause forces it. If you own the car outright and drive infrequently, Limitada or RC can make sense.