Mexican Insurance Store

What Mexican Insurance Store does

Mexican Insurance Store (legally E-Pro Insurance) is a privately held U.S. insurance brokerage founded in 2004 by Linden Gray, a commercial underwriting and reinsurance practitioner since 1979. The company is licensed by the California Department of Insurance (License #0C24601) and operates as a wholesale broker placing Mexican auto insurance coverage for U.S. and Canadian drivers through three carrier partners: CHUBB (A++), HDI Seguros (A+), and MAPFRE (A). Its customer base of 200,000+ drivers is concentrated in California, Arizona, Texas, and four Canadian provinces (Alberta, British Columbia, Ontario, Manitoba), served from a headquarters in the Coachella Valley and a Canadian branch in Edmonton, Alberta.

The core product portfolio comprises liability-only and full-coverage Mexican auto insurance, plus specialized policies for motorcycles and RVs, offered across daily, weekly, six-month, and annual terms. The brokerage's primary technical and contractual differentiator is the use of U.S. Kelley Blue Book and J.D. Power (NADA) vehicle valuations — and the option to repair vehicles in the U.S. or Canada — rather than the lower Mexican Libro Azul guide, which the company estimates would otherwise undervalue vehicles by 30–40%. The platform is a web-based distribution system with a short-form online application that does not require a VIN to generate quotes, supports 24/7 online purchasing with instant policy issuance, and pairs with bilingual phone sales (English/Spanish).

The business model is a direct-to-consumer brokerage earning commissions on policies placed with the three carrier partners, bypassing border kiosks, travel websites, and general-agent referral layers. Pricing is quote-based and varies by vehicle, trip length, and coverage level; the company offers 15% discounts for Baja/Sonora-only coverage and 5% discounts for SENTRI/Global Entry members. Operating with 1–10 employees and no external institutional funding, the company has achieved growth via channel discipline, carrier relationships, and brand-building (A+ BBB rating, Press-Enterprise Editor's Choice, 2026 BBB Torch Award nomination) rather than through capital infusion or inorganic expansion.

Name

Mexican Insurance Store

Legal name

E-Pro Insurance

Website

https://mexicaninsurancestore.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Mexican Insurance Store is a privately held U.S. insurance brokerage, founded in 2004, that places Mexican auto insurance for U.S. and Canadian drivers through CHUBB, HDI, and MAPFRE via a direct-to-consumer online platform, serving over 200,000 customers across daily, seasonal, and annual policy terms.

Ownership category

akta.pro rank

Product category

Specialty Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• Mexican auto insurance
• Cross-border coverage
• Insurance brokerage services
• Specialty vehicle insurance
• Travel auto coverage

Headquarters

HQ city

Perris

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Policy Commissions: As a licensed insurance broker, the company earns commissions from insurers (CHUBB, HDI, MAPFRE) for policies sold. Direct wholesale model eliminates middleman fees, allowing competitive pricing while maintaining profitability.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Mexican Insurance Store is a licensed insurance brokerage that sells Mexican auto insurance policies to U.S. and Canadian drivers crossing into Mexico. The company places coverage with top-rated underwriters — CHUBB (A++), HDI (A+), and MAPFRE (A) — offering liability-only and full coverage options on daily/weekly, six-month, and annual terms for cars, trucks, SUVs, vans, motorcycles, and RVs. Policies are distributed direct-to-consumer via the company's website and toll-free phone lines, with instant bilingual policy issuance.

Product overview

Mexican Insurance Store is a direct wholesale insurance brokerage that provides Mexican auto insurance for U.S. and Canadian drivers. The core offering consists of two main product tiers: Liability-Only (legal minimum) and Full Coverage (comprehensive protection including collision, theft, vandalism, medical payments, roadside assistance, and legal support). Coverage is available through three partner underwriters: CHUBB (A++ rated, premium tier), HDI (A+ rated), and MAPFRE (A rated, value tier). The company also offers specialized coverage for motorcycles and RVs. Policies are available in flexible terms ranging from daily/weekly short-term coverage to six-month and annual policies. The company's key differentiator is using U.S. vehicle valuations (Kelley Blue Book/NADA/Canadian Black Book) rather than lower Mexican guides like Libro Azul, and offering repair options in the U.S. or Canada. All policies include 24/7 bilingual claims support, legal assistance, bail bond coverage, and nationwide roadside assistance throughout all 32 Mexican states.

Differentiator

Problem solved

Functional benefit

Products and services

• Mexican Auto Insurance Core Mexican auto insurance product for U.S. and Canadian drivers entering Mexico, covering liability-only (legal minimum) and full coverage (collision, theft, vandalism, medical payments, roadside assistance, legal support) for cars, trucks, SUVs, and vans. Includes 24/7 bilingual claims support, nationwide roadside service across all 32 Mexican states, and U.S./Canadian repair options.
• Mexican Motorcycle Insurance Specialized coverage for motorcycles traveling in Mexico, offered through CHUBB, MAPFRE, and HDI with daily, weekly, six-month, and annual terms. Helmets and protective gear are automatically covered up to $2,500 USD with CHUBB full-coverage policies, and the product includes 24/7 roadside assistance.
• Mexican RV Insurance Coverage for recreational vehicles and motorhomes traveling in Mexico, providing protection against collision, theft, and other covered losses with full coverage options allowing repairs in the U.S., Canada, or Mexico.

Quantifiable outcome

• Saves 29-37% compared to border kiosks by eliminating middlemen fees
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• CHUBBcoreTechnology or IntegrationCHUBB (A++ AM Best rating) is the premier partner insurer providing Platinum-level coverage with bilingual claims adjusters, legal assistance, bail bonds, and U.S. vehicle valuations. Known for fast claims response and comprehensive protection including collision, theft, medical payments, and roadside assistance throughout Mexico.
• HDI SeguroscoreTechnology or IntegrationHDI (A+ AM Best rating) is a Mexican-focused insurer with strong local claims network. Provides dependable protection with practical coverage options designed for real Mexico travel including physical damage, collision, and comprehensive coverage with Mexico-based claims handling.
• MAPFREcoreTechnology or IntegrationMAPFRE (A AM Best rating) is headquartered in Spain and deeply established in Mexico. Offers strong value positioning with slightly lower pricing than other top providers while maintaining reliable claims service and extensive network across all 32 Mexican states. Popular 'value pick' for budget-conscious travelers.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• GEICO: GEICO is one of the largest U.S. auto insurers with a direct-to-consumer digital model similar in spirit to Mexican Insurance Store. A potential entrant or partner in the cross-border auto niche, with brand and capital advantages.
• Progressive: Progressive is a large U.S. personal-lines auto carrier with broad distribution and balance-sheet capacity. While not specializing in cross-border coverage today, it has the scale to enter the niche and apply meaningful pricing pressure.

Direct peers

• International Insurance Group: IIG Mexico provides Mexican auto insurance to U.S. and Canadian drivers through broker and direct channels, with comparable carrier relationships and cross-border product set; overlapping customer base in the niche.
• Baja Bound Insurance Services: Baja Bound specializes in Mexican auto insurance for travelers, with a strong focus on Baja California and RV/motorcycle coverage. Directly comparable product mix and direct-to-consumer brokerage model.
• Lewis & Lewis Mexican Auto Insurance: Lewis & Lewis is a long-established Mexican auto insurance broker selling cross-border coverage online and via phone. Comparable direct-to-consumer brokerage model, policy term flexibility, and carrier mix.
• Sanborn's Mexico Insurance: Sanborn's is one of the largest and oldest direct providers of Mexican auto insurance to U.S. and Canadian drivers, offering the same cross-border coverage niche as Mexican Insurance Store with comparable carrier partnerships and direct online distribution.
• Mexican Insurance: MexicanInsurance.com is a direct-to-consumer online broker of Mexican auto insurance for U.S. drivers, with comparable term lengths, multi-carrier placement, and bilingual support — direct competitor in the same niche.
• MexBound Insurance: MexBound is an online Mexican auto insurance broker serving U.S. and Canadian drivers, offering similar term-length flexibility and multi-carrier placement. Direct overlap in product offering, customer base, and digital GTM.

Regional players

• Discover Baja Travel Club: Discover Baja is a Southern California/Baja-focused travel services provider that bundles Mexican auto insurance among other cross-border travel products. Comparable audience but with a Baja-specific, travel-club-oriented positioning.

Others

• Squaremouth: Squaremouth is a travel insurance comparison marketplace. Adjacent rather than directly competitive, but illustrative of the digital insurance comparison/distribution model that could be applied to cross-border auto coverage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mexican-insurance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mexican Insurance Store