Do you really need it? Read this on the Baja Bound website. Sure, we've paid for Mexican insurance plenty of times over the years and never needed to actually use it. You can run without it, BUT what if? Smart people get it. Our crew gets it from Baja Bound. These insurance guys ride motorcycles in Mexico and are total enthusiasts. They went on the last EDR and will be racing in the NORRA Mexican 1000 the same weekend we are down there. That's way cooler than my Farmers Insurance agents in the US! You can buy insurance in Mexicali before crossing the border but it is much easier to get it ahead of time via the internet and save a bunch of time and hassle. Here's the link.