Nearest Office:

Does U.S. Car Insurance Cover Me in Mexico?

Does U.S. Car Insurance Cover Me in Mexico

If you live within driving distance to the southern border, then flying to Mexico may seem unnecessary. Auto insurance, for the most part, follows the car and the driver wherever they go. But, that may not be the case when taking a road trip to Mexico.

You may be covered for the first 50 or so miles into Mexico, but after that, your insurance is pretty much null and void. Like several states, the country of Mexico also has its own car insurance requirements, which is a liability policy with personal injury and property damage coverage. These are purchased from a reputable Mexican insurer for the duration of your visit.

Mexico Car Insurance Coverage Requirements

In Mexico, the maximum amount a person may receive as compensation for injuries or death caused by an automobile accident is $25,000. The legal responsibility for the accident is determined by whether he or she was a passenger, bystander, or someone in another car.

If you have to make an insurance claim, who is ultimately responsible for paying the deductible? It’s not uncommon for an insurer to require that the claimant pay at least this much. Buying coverage above the minimum amount might appear to be a good financial decision. Failure to do so can result in fines and even jail time. It’s easy to purchase such a policy as it can be done entirely online before your trip. The best part is that they can be affordable.

Your Mexican car insurance policy should include civil liability, medical expenses, legal assistance, and coverage for tows. In Mexico, - in addition to your Mexican auto insurance card – you’ll need your US driver’s license, car registration, and passport.

If you intend to travel more than 12 miles beyond the United States border, you will need to acquire a temporary import permit as well as a security deposit for your vehicle. You may discover additional information on the Mexican Consulate website if you want more details.

If you plan on driving into Mexico, it’s a good idea to notify your insurance provider. They may be able to provide you with any specific information regarding your coverage. Do your homework to discover all you’ll need to know before driving out to Mexico for vacation.

Keep yourself protected with affordable car insurance from Insurance Navy. We help drivers get low-cost car insurance quotes regardless of their risk. Call us today at 888-949-6289 for a free quote. You can also apply online via our website or mobile app.

Updated: December 2023

Free Insurance Quote

Receive a car insurance quote in 2 minutes or less!

Auto Insurance

Motorcycle Insurance

Homeowners Insurance

Renters Insurance