Third-party liability insurance required for any vehicle driving on Mexico's federal road network. It covers damage you cause to others, not to your own car. Premiums run between 4,500 and 7,000 pesos a year depending on the insurer. Drive without it and highway fines start at 20 UMA, with the vehicle subject to being impounded.

The mandatory Civil Liability insurance for any vehicle on the federal road network. It covers damage to third parties — the people and property you hit — not your own car. It costs between 4,500 and 7,000 pesos a year depending on the insurer, and it's the legal minimum, not full coverage.

Without it, highway fines start at 20 UMA and the vehicle can be impounded until you buy it. Watch the common confusion: SOAP saves you from the fine and from paying someone else's damage out of pocket, but if your car is stolen or you crash it alone, it covers nothing. For that you need full coverage.