Puerto Rico
- ~$60–$75
- ~$140–$170
- $4K per accident (public liability via ACAA) + optional private coverage
Puerto Rico’s car insurance system is unique due to its territorial status and public-private insurance blend. Mandatory liability coverage is provided through a government-backed program (ACAA), with optional private full coverage. Dense urban traffic, high vehicle density, and weather-related damage contribute to a complex insurance landscape.
Find a local Auto Insurance agents in your town:
Puerto Rico Auto Insurance Facts *
Drivers
- ~2.1–2.3 million licensed drivers as of 2023.
- Nearly 100% of households own a vehicle due to limited public transit.
- High vehicle density in San Juan, Bayamón, and Ponce.
- Motorcycles and compact vehicles are common.
- Uninsured motorist rate estimated around 15%.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~60,000 | ~11,500 | 290 |
| 2019 | ~62,000 | ~11,700 | 310 |
| 2020 | ~54,000 | ~10,000 | 270 |
| 2021 | ~59,000 | ~10,900 | 295 |
| 2022 | ~61,000 | ~11,200 | 305 |
Laws & Regulations
- Mandatory ACAA liability coverage for all vehicles.
- Optional private policies for comprehensive or collision coverage.
- ACAA covers up to $4,000 per accident regardless of fault.
