Car Insurance in Puerto Rico

Driving without car insurance in Puerto Rico can result in legal consequences and potential vehicle impoundment. Read on to learn more.

• December 10, 2023
• Aniket Kulkarni

This blog provides insight into the best options for car insurance in Puerto Rico to help you make an informed decision.

When insuring your vehicle in the beautiful island territory of Puerto Rico, it’s essential to understand the unique requirements, regulations, and options available. This guide is your go-to resource for demystifying car insurance in Puerto Rico, whether you’re a resident, a newcomer, or just looking to stay informed.

In 2021, Puerto Rico stood out in Latin America by having the highest ratio of insurance premiums to its gross domestic product (GDP). Insurance premiums accounted for nearly 17 percent of Puerto Rico’s GDP that year. From understanding the legal necessities to exploring popular providers and coverage options, we’ve got you covered. So, let’s explore the world of car insurance in Puerto Rico.

Beem: Affordable car insurance

Looking to get affordable car insurance? Beem is an excellent option to consider. Beem offers a variety of coverage options to fit your needs and budget, and their rates are very competitive.

Here are some of the benefits of choosing Beem for your car insurance:

• Affordable rates: Beem’s rates are very competitive, and we offer various discounts to help you save money.
• Flexible coverage: Beem offers a variety of coverage options to fit your needs and budget. You can choose from different levels of liability coverage, collision, and comprehensive coverage.
• Easy to use: Beem’s website is easy to use and navigate. You can get a quote online in a few minutes.
• Excellent customer service: Beem has a team of experienced customer service representatives happy to answer any questions.

If you’re looking for affordable car insurance, Beem is an excellent option to consider. Get a quote online today and see how much you can save!

How to get the most out of your Beem car insurance policy

Here are some tips for getting the most out of your Beem car insurance policy:

• Shop around: Be sure to compare rates from different insurance companies before you choose a policy. Beem offers competitive rates, but it’s always a good idea to shop around to ensure you get the best deal.
• Take advantage of discounts: Beem offers a range of discounts to help you save on your car insurance policy. Be sure to ask your Beem representative about all the discounts available to you.
• Choose the right coverage: Be sure to choose the right coverage level for your needs and budget. Don’t overpay for coverage that you don’t need.
• Keep your driving record clean: The best way to save money on car insurance is to keep your driving record clean. Avoid getting tickets and accidents, and your rates will be lower.

Beem car insurance has a positive reputation among customers. Customers appreciate Beem’s affordable rates, flexible coverage options, and easy-to-use website. Beem also has a team of experienced customer service representatives who are happy to answer customers’ questions.

MAPFRE Car Insurance

MAPFRE car insurance policies offer various coverage options to fit your needs and budget. You can choose from different levels of liability coverage, collision, and comprehensive coverage. MAPFRE also offers a variety of additional coverage options, such as towing, rental car reimbursement, roadside assistance, and uninsured/underinsured motorist coverage.

Here are some of the benefits of choosing MAPFRE for your car insurance:

• Affordable rates: MAPFRE’s rates are very competitive, offering various discounts to help you save money.
• Comprehensive coverage options: MAPFRE offers a variety of coverage options.
• Excellent customer service: MAPFRE’s customer service team is available 24/7 to help you file claims or answer any questions you may have.
• Online tools and resources: MAPFRE offers a variety of online tools and resources. These make it easy to manage your policy and file a claim.

MAPFRE is an excellent option if you’re looking for affordable car insurance with comprehensive coverage options and excellent customer service. Get a quote online today and see how much you can save!

Here are some additional details about MAPFRE’s car insurance coverage options:

• Liability coverage:Liability coverage pays for damages to other people’s property and injuries caused by you or your vehicle. MAPFRE offers different levels of liability coverage, so you can choose the amount of coverage that’s right for you.
• Collision coverage: Collision coverage pays for repairs to your vehicle if it’s damaged in a collision with another vehicle or object. MAPFRE offers different collision coverage levels, so you can choose the coverage that’s right for you.
• Comprehensive coverage: Comprehensive coverage pays for repairs to your vehicle if it’s damaged by something other than a collision, such as theft, vandalism, or weather damage.

Popular Auto Car Insurance

Popular Auto offers a variety of car insurance coverage options. Some of the most popular options include:

• Liability coverage: Liability coverage pays for damages and injuries that you cause to other people and their property in an accident. Liability coverage is required by law in Puerto Rico.
• Collision coverage: Collision coverage pays for repairs to your vehicle if it is damaged in an accident with another vehicle or object.
• Comprehensive coverage: Comprehensive coverage pays for repairs to your vehicle if it is damaged by something other than a collision, such as theft, vandalism, or weather damage.
• Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage pays for your medical expenses and other damages if you are injured in an accident caused by a driver who does not have enough insurance or who is uninsured altogether.
• Rental car reimbursement coverage: Rental car reimbursement coverage pays for renting a car while your vehicle is being repaired after an accident.
• Roadside assistance coverage: Roadside assistance coverage provides help with roadside emergencies, such as flat tires, dead batteries, and lockouts.

Popular Auto offers a variety of car insurance discounts to help drivers save money. Some of the most popular discounts include:

• Safe driver discount: Those with a clean driving record may be eligible for a safe driver discount.
• Multiple policy discount: Drivers who have multiple policies with Popular Auto, such as homeowners insurance or renters insurance, may be eligible for a multiple policy discount.
• Good student discount: Students with good grades are eligible for a good discount.
• Military discount: Active duty military members and veterans are eligible for a military discount.

UniversalPR Auto Insurance

A Puerto Rican insurance company, UniversalPR Auto Insurance offers a range of auto insurance products and services. UniversalPR is a popular choice for car insurance in Puerto Rico due to its competitive rates and wide range of coverage options.

UniversalPR offers a variety of auto insurance policies, including:

• Comprehensive Coverage: Comprehensive coverage pays for repairs or replacement to your vehicle if damaged or stolen, regardless of who is at fault.
• Collision Coverage:Collision coverage pays for repairs or replacement to your vehicle if it is damaged in a collision with another vehicle or object.
• Liability Coverage: Liability coverage pays for bodily injury and property damage you or your vehicle cause to others in an accident.
• Personal Injury Protection (PIP):PIP coverage pays for medical costs, lost wages, and other expenses incurred by you or your passengers in an accident.
• Uninsured/Underinsured Motorist Coverage: Uninsured/underinsured motorist coverage pays for your medical expenses and other losses if you are hit by a driver who does not have insurance or does not have enough insurance to cover your losses.

UniversalPR also offers a variety of discounts on auto insurance, including:

• Safe Driver Discount: Safe drivers with a clean driving record may be eligible for a ‘safe driver discount.’
• Multi-Policy Discount: Customers who bundle their auto insurance with other UniversalPR policies, such as home or life insurance, may be eligible for a multi-policy discount.
• Military Discount: Active duty military members and veterans may be eligible for a military discount.

DynamicInsuranceInc Auto Insurance

DynamicInsuranceInc works with various insurance companies to offer its customers the best possible rates and coverage options. DynamicInsuranceInc agents can help you compare rates from insurance companies and find the right coverage for your needs.

DynamicInsuranceInc offers a variety of auto insurance policies, including:

• Comprehensive Coverage
• Collision Coverage
• Liability Coverage
• Personal Injury Protection (PIP)
• Uninsured/Underinsured Motorist Coverage
• Medical Payments Coverage
• Rental Car Reimbursement Coverage
• Towing and Roadside Assistance Coverage

DynamicInsuranceInc also offers a variety of discounts on auto insurance, including:

• Safe Driver Discount
• Multi-Policy Discount
• Good Student Discount
• Military Discount
• Accident Forgiveness Discount

Propiedad Auto Insurance

Propiedad Auto Insurance is a Puerto Rican company offering many auto insurance products and services. Propiedad Auto is a popular choice for car insurance in Puerto Rico due to its affordable rates and wide range of coverage options.

Propiedad Auto offers a variety of auto insurance policies, including:

• Comprehensive Coverage
• Collision Coverage
• Liability Coverage
• Personal Injury Protection (PIP)
• Uninsured/Underinsured Motorist Coverage
• Medical Payments Coverage
• Rental Car Reimbursement Coverage
• Towing and Roadside Assistance Coverage

Propiedad Auto also offers a variety of discounts on auto insurance, including:

• Safe Driver Discount
• Multi-Policy Discount
• Good Student Discount
• Military Discount
• Accident Forgiveness Discount

Conclusion

Car Insurance in Puerto Rico is a crucial aspect of responsible vehicle ownership. Comparing quotes is essential to finding a policy that suits your needs and budget.

You can use Beem to find the best insurance quotes to help you make the right choice. Auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others.

FAQs

Auto Insurance Requirements in Puerto Rico

In Puerto Rico, all drivers are required to have a minimum amount of liability insurance coverage.

Bodily Injury Requirement for Car Insurance in Puerto Rico

Puerto Rico mandates that drivers have minimum bodily injury liability coverage.

Does Puerto Rico have a no-fault insurance system?

No, Puerto Rico does not have a no-fault insurance system.

What are the consequences of driving without insurance in Puerto Rico?

Driving without insurance in Puerto Rico can result in legal consequences, including fines, license suspension, and potential vehicle impoundment.

Can I choose between government insurance and private insurance in Puerto Rico?

Yes, Puerto Rican drivers can choose between government insurance (provided by the government-owned Insurance Corporation of Puerto Rico) and private insurance from various insurance companies.