Some San Diego car-rental companies will rent vehicles for driving into Baja California & will provide Mexican auto-insurance. Franchises below can have location drop offs & pick-ups in the US or over the border in MX.
These days most all car rental agencies have Sport Utility Vehicles for rent, but if you need 4 wheel drive for your trip, then make sure 4WD is an option.
Click below for off-road rentals all around California, from fully outfitted Jeeps (for a week) to quick quad rentals at the dunes (for a few hours).
Overland Jeep Rentals w/ camping roof top tent and gear;
ATV and Quads @ beach sand dune park
snow & ice?
Heading up to the mountains for anything fun? then you better ask rental car company about snow forecast and tire chains – or buy some in route.
OFF ROADING, for sure
If you plan to drive on serious dirt roads for hundreds of miles, a week of camping, rock crawling mountains, take a spin on the desert sand dunes, or want to drive into Mexico, then you will need extra insurance. Ask and expect to pay $$$.