Puerto Rico Auto Insurance

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Looking for information about car insurance in Puerto Rico? You’ve come to the right place. We’re insurance experts – and we’re here to tell you everything you need to know about Puerto Rican car insurance. We’ll explain how PR car insurance works, how to save money on auto insurance in Puerto Rico, and how much you can expect to pay for car insurance in Puerto Rico.

Auto Insurance Requirements in Puerto Rico

Puerto Rico is a no-fault territory. That means, like 12 states in America, Puerto Rico requires drivers to carry no-fault insurance coverage, also known as compulsory liability insurance (CLI).puerto rican flag

Every driver in Puerto Rico is required to have a minimum of $3,000 in liability insurance coverage. Your liability coverage will automatically cover your own damages and medical expenses regardless of who is at-fault for the collision.

In other words, Puerto Rican drivers are expected to use their own insurance to cover damages and medical expenses – even if another driver caused the collision.

Typically, drivers in states and territories with no-fault insurance requirements will pay more for car insurance than drivers in other states. However, Puerto Rico has a unique system where the government can provide basic liability insurance at a reasonable rate.

Bodily Injury Requirement for Car Insurance in Puerto Rico

Puerto Rico does not require drivers to have full liability insurance coverage for injuries, dismemberment, and death. However, the territory does require drivers to have medical liability insurance that functions like personal injury protection.

Most no-fault states in America – like Michigan and Florida – require drivers to have personal injury protection (PIP) insurance. Puerto Rico’s medical liability insurance functions similar to PIP protection.

Puerto Rico drivers buy medical liability insurance from the Agency for the Compensation of Automobile Accidents (ACAA). This organization provides mandatory coverage, including the basic legally-required limits for all drivers on Puerto Rico roads.

However, many Puerto Rico drivers choose to exceed this coverage by working with a private insurance company. By default, the Agency for the Compensation of Automobile Accidents only provides $3,000 of medical liability insurance. If you’re involved in an accident that leads to medical bills exceeding $3,000, then you may be required to pay out of pocket.

Paying for State Insurance Versus Private Insurance

One of the major differences between Puerto Rico and other parts of the United States is the government insurance system.

The government of Puerto Rico provides car insurance to drivers in PR. You’ll get this car insurance when you get your tags and marbete sticker.

Under the government car insurance, your plan will cover the other driver – not you or your own vehicle. It’s similar to basic liability insurance you can get from private insurance companies in other parts of the United States.

Puerto Rico’s ACAA insurance plans can also cover your home insurance and renters’ insurance.

Although Puerto Rico provides insurance plans through the territorial government, you can also choose to work with a private insurance company for supplemental coverage – say, if you want to protect your own vehicle or medical expenses in the event of a collision.

If you do get insurance through an agent in Puerto Rico, then you do not have to pay for the territorial insurance in Puerto Rico. You can show the government your coverage papers as proof that you’re insured.

It’s important to note that Puerto Rico’s government insurance plans from the ACAA are mandatory: these are compulsory insurance plans that cover personal injuries, illness, dismemberment, or death from an automobile accident.

Certain Costs Are Included in your Annual Vehicle Registration Fee

When you register your vehicle in Puerto Rico, you’ll pay certain insurance costs upon registration.

Your CLI premium, for example, will be bundled with your annual registration fee. That premium is set at $99 per year for a private passenger vehicle and $148 for a commercial vehicle.

Driving Without Insurance in Puerto Rico

Puerto Rico does not require drivers to have uninsured motorist coverage. Instead, the no-fault insurance system means your insurance company pays even when the other driver was at-fault – and even when the other driver did not have insurance.

If you’re caught driving without insurance in Puerto Rico, then you may be charged with a misdemeanor and a fine of up to $500.

Others fines also apply for expired registration, no ACAA coverage, and no inspection.

Furthermore, driving without insurance in Puerto Rico exposes yourself to liability. If you’re in an accident and you’re found to be at-fault, then you may be required to pay out-of-pocket for all damages and medical expenses you caused.

Conclusion: Compare Car Insurance Quotes in Puerto Rico Today

Puerto Rico’s ACAA provides basic liability coverage for most drivers in Puerto Rico at a reasonable rate. However, you can choose to purchase your own private car insurance to enjoy better protection – say, if you want to have more than $3,000 in liability coverage.

Compare car insurance quotes in Puerto Rico today and make sure you get the best price on your next car insurance plan in PR.


  Comments: 2

  1. I plan to rent an automobile in Puerto Rico. If I have to buy insurance, what do you recommend I do to minimize the insurance cost? Can I buy the insurance in the States, or obtain it in Puerto Rico?

    • Andrew@4AutoInsuranceQuote

      Hi Jose,
      If you don’t already have an insurance policy, then the best thing to do would be to buy insurance through the rental car company. They should offer both physical damage coverage, as well as liability insurance. You’ll want both if you don’t already have a policy. It’s important to note that Puerto Rico is covered by US insurance policies. The coverage territory is the 50 United States, and US territories and possessions, as well as Canada. So if you had an existing insurance policy, that policy would cover you in Puerto Rico.

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