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.
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.
