Question: Is car insurance required in Puerto Rico?

Answer: Yes, some types of car insurance coverage are required in Puerto Rico.

Puerto Rico is a no-fault territory where the Seguro de Responsabilidad Obligatorio or compulsory liability (CLI) for motor vehicles requires drivers to maintain compulsory liability coverage and medical liability coverage. 

The Puerto Rico Motor Vehicle Compulsory Liability Insurance Law is what is considered no-fault insurance and requires that all motor vehicles using the Puerto Rico public highways have liability insurance coverage of not less than $3,000. The premium for that coverage is $99 per year (private passenger vehicle) or $148 per year (commercial vehicle.)

All motor vehicles are also required to have Medical Liability insurance of not less than $3,000, which is comparable to Personal Injury Protection (PIP). This coverage is provided by the Agency for the Compensation of Automobile Accidents (ACAA). 

Different than most no-fault states and territories, if your vehicle is registered in Puerto Rico, the CLI premium will be included in your annual registration fee when you get your marbete tag. Drivers are required to comply with the law when obtaining a motor vehicle license for the first time and upon renewal of registration thereafter. To comply with the CLI you can obtain liability insurance coverage of at least $3,000 from your insurance company if the company is licensed to do business in Puerto Rico. A second option is to obtain your compulsory liability insurance coverage from any authorized private insurer in Puerto Rico, or from the Joint Underwriters Association (JUA).

You must comply with the CLI even if your vehicle is not registered in Puerto Rico and retains out-of-state license plates but is used in PR.

Driving a car without the proper insurance in Puerto Rico is a misdemeanor punishable with a fine of $500. In addition, other fines may be assessed for an expired registration, no ACAA, and no inspection, if applicable. If you are in an accident and are uninsured PR law requires a court to assess the costs of damages you caused and will require you to be responsible for paying for the damages. 

Remember that the minimum required coverage in a state or territory may not be sufficient coverage in the event of an accident. We recommend seeking adequate coverage for your situation through an insurance company.