Car Insurance To Travel To Mexico

If you're driving your vehicle to Mexico then you need Mexican insurance. Mexico insurance is an additional (temporary) policy that you buy separately from your normal car insurance policy. The good news is that buying Mexico car insurance to travel into Mexico is easy to get and fairly inexpensive.

Do I Need Mexico Car Insurance?

Your normal car insurance policy does not cover you in Mexico. There may be some insurance companies that give you coverage 10 to 50 miles into Mexico, but even that coverage will not be as comprehensive as if you were to buy the correct Mexican insurance policy.

The Mexican government does not recognize car insurance policies from other countries. So even if you have a "rider" or endorsement on your auto insurance policy, if something happens to your car while in Mexico, you'll be in a world of hurt trying to get the Mexican government to accept your United States car insurance policy.

Mexico has different laws than the US which means you need a Mexican insurance policy that is written to address those laws. The best car insurance policy in the United States will be worthless to you in Mexico.

Where can I buy Mexican Car Insurance?

You can buy Mexican car insurance online here. It takes less than 5 minutes to enter your information, see your options, select your coverage and purchase your policy.

There are also places to stop on your way to Mexico. As you get closer to the border you'll start seeing signs and shops that sell Mexican car insurance. You can stop at any of these places and purchase a policy before you cross the border.

Information needed to purchase Mexican car insurance:

  • Dates you're entering and leaving Mexico
  • Where you're traveling in Mexico
  • Vehicle Information
  • All Drivers Information (names, dates of birth, DL#'s)
  • Coverage you want/need
  • Lienholder Information
  • Reason you're visiting Mexico
  • Current car insurance information

 

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Tips for driving in Mexico

Driving in Mexico can be a very stressful thing for many people. This is because it's a different country, laws are different, highways are different, etc. Below is a list of tips to make sure you have a safe and stress-free trip as you drive into Mexico.

  • Be aware of what's going on around you
  • Stick to the main roads, roads that all tourists use
  • Travel during the day
  • Keep insurance documents handy
  • Check out STEP - https://step.state.gov/step/
  • Have all forms of ID (driver's license, passport, etc)

 

What to do if you're in an accident in Mexico

  • Check to see if anyone is injured
  • Call 911 (yes it's the same # is Mexico)
  • Call your insurance company (claim number is on insurance documents)
  • The claims adjuster will walk you through the next steps
  • Don't move your vehicle until the policy and/or claims adjuster come and tell you it's okay to do so.
  • Do not sign and agree to anything (paying out of pocket for damages on the spot) unless you completely understand what is going on or until you talk with your claims adjuster for further guidance.

 

Important: You must file a claim while in Mexico, even if the damage is minimal. If you wait until you're back in the United States to file a claim the insurance company will most likely deny the claim.