Ancient ruins, stunning beaches, and heavenly cuisine are just a few of the myriad reasons to visit Mexico. Many Americans choose to drive to Mexico. But even if you have an adventurous spirit and a thirst for spontaneity, driving to Mexico without a little planning is no good.
Mexican law requires that all vehicles have automobile insurance. Your US car insurance typically won’t cover you unless you purchase additional insurance, sometimes called Mexico tourist car insurance or Mexican car insurance. What if you don’t comply with Mexican law? you could end up in jail, where the views are much less impressive and the cuisine is much worse.
Do I need Mexican car insurance?
You need Mexican auto insurance if you plan to drive in Mexico. Your US auto insurance policy alone will not be enough to comply with Mexican federal civil liability law. To comply with this law, you must purchase a separate Mexican liability insurance policy from a licensed Mexican insurance company.
Once you have Mexican liability insurance, your US liability insurance. uu. car insurance may have limited coverage, depending on your insurance company.
You can purchase a Mexican auto insurance policy separately from a US or Mexican insurance company. uu. company that works with Mexican insurers. you can usually find a policy that fits the length of your stay. For example, Allstate and Geico can get Mexican auto insurance policies that will cover trips to Mexico lasting anywhere from a day to a year.
You will pay a premium that is separate from your US account. uu. car insurance policy. your coverage will begin and end on the dates you select. if you drive outside the effective dates of your policy, you will not be covered and will be subject to the fines and penalties of Mexican law.
To buy a car insurance policy in Mexico, you will need:
- dates you will travel to mexico
- where will you travel in mexico
- its us car insurance policy number (you can find it on your insurance statement or policy)
- driver’s license (if you are under 21, you may have to pay an additional fee)
- year, make and model of your car
- vehicle identification number
- registration number
- physical damage coverage. This pays if your car is stolen or damaged by things like a car accident, vandalism, fire, flood, hail, and falling objects.
- Medical payments. This covers medical expenses for you and your passengers if you are injured in a car accident.
- legal assistance. If you are in a car accident in Mexico, this pays for legal expenses such as an attorney, court costs, and bail bonds.
- roadside assistance. if your car breaks down in mexico, this pays for services like a tow truck, jump-starting a battery, a locksmith, or changing a flat tire.
- medical evacuation. If you are injured in a car accident, this pays for emergency transportation to a hospital or treatment facility.
- buy a Mexican auto insurance policy. this is a separate policy from your usa policy. uu. car insurance policy. You can usually buy it from a company that works with Mexican insurers, like Bajabound or Geico.
- Consider a limited coverage endorsement in Mexico. Your US auto insurance company may offer an endorsement that extends coverage from your US vehicle. uu. policy within a certain distance from the us edge. For example, if you have an accident within 10 miles of the border, the collision insurance portion of your US collision insurance. uu. the policy would apply.
- aaa through the provincial national group s.a.
- low bound
- geico through the provincial national group and the eagle insurance company
- progressive insurance through mexpro
- the general insurance through aba Seguros, SA de C.V, Ace Seguros, S.A. de c.v and provincial national group
- liberty mutual insurance through mexpro
- Keep your insurance documentation handy. It’s a good idea to have at least two copies of your Mexican auto insurance documents, including your policy, claim instructions, and roadside assistance instructions. keep one copy in your car and another copy in a safe place, like a hotel safe.
- obtain a Mexican tourist card (fmm). Visitors to Mexico must obtain an FMM, which you should be able to obtain at the border or online (and in print). if you get it online, you will need to stamp it at the border or at an immigration office for it to be valid. a passport or passport card is required to obtain an fmm.
- obtain a temporary vehicle import permit (advice). The Mexico Free or Border Zone is an area along Mexico’s northern and southern borders, including much of Sonora, the entire Baja Peninsula, and areas within 12 to 16 miles of the border in all other states. border of Mexico. any trip beyond the border area requires a tip. if you travel outside the border area without a tip, your car could be impounded and you could go to jail.
- get car rental insurance in mexico. Mexican federal civil liability law also applies to rental cars. If you rent a car in Mexico, you can purchase auto insurance at the rental agency. if you plan to rent a car in the usa uu. and drive to mexico, check with your rental agency first. Not all rental agencies will allow you to drive to Mexico or may restrict travel to certain areas. Certain types of vehicles, such as exotics, cargo vans, and large passenger vehicles, may not be allowed to cross the border, depending on your US state. uu. rental agency.
- check the travel advisories before your trip. the United States. The State Department provides up-to-date travel advisories that include certain risks, such as COVID-19 and security alerts. it also provides information about us. embassy locations, local laws, vaccination requirements, currency in/out restrictions, and visa requirements.
- sign up for the smart traveler enrollment program (step). step is a free service for us. citizens and nationals provided by the us department of the state office of consular affairs. step sends you security alerts, helps u.s. the embassy contacts you for emergencies such as civil unrest and natural disasters, and helps friends and family contact you in an emergency.
what does auto insurance cover in mexico?
civil liability auto insurance in mexico
You are required by Mexican law to have civil liability insurance. If you cause a car accident, this covers bodily injury and property damage to others. you can usually choose a policy limit (up to a certain amount). For example, Allstate and Geico can help you get up to $500,000 in Mexico travel liability coverage, while General can help you get up to $300,000.
It’s a good idea to purchase the maximum amount of liability coverage available. That’s because liability auto insurance in Mexico works differently than it does in the US. uu. If you cause an accident that results in death, Mexico’s federal civil liability law says your insurance must pay the Mexican state minimum wage multiplied by 5,000, plus funeral expenses, per person. the Mexican state can then multiply this amount by up to five times (in some Mexican states a judge will determine the limit to pay).
for example, the minimum wage in tijuana is $213.39 mexican pesos: 5,000 x $213.39 = $1,066,950, which is equivalent to $53,744 in us. dollars, based on an exchange rate of $19.85. the state can multiply this figure by five, which equals $268,720 per person.
other types of coverage for driving in mexico
Liability insurance will not cover damage to your car or injuries to you and your passenger. You can fill in these coverage gaps by purchasing additional types of coverage, such as:
limited coverage in mexico
Some insurance companies include limited coverage in Mexico as part of a policy. For example, USAA has policies that extend coverage for trips to Mexico within 75 miles of the United States. edge. This may extend your comprehensive and collision insurance to Mexico, but you will still need to purchase liability coverage from a licensed Mexican insurance company.
and some auto insurance companies offer a “limited coverage in mexico” endorsement, which extends your existing coverage from your usa. uu. policy (such as your collision and comprehensive coverage) even travel to mexico within a certain distance of the border. but for this endorsement to apply, you must purchase liability insurance from a licensed Mexican insurance company.
For example, Hartford has an endorsement that limits coverage to 25 US miles. uu. border for trips of 10 days or less.
Check with your insurance agent to determine what coverage, if any, your current policy has once you cross the border.
where can i buy car insurance in mexico?
this is how to buy car insurance in mexico:
It’s a good idea to compare Mexican auto insurance quotes from a few different companies to find the best price and coverage options.
Here are some companies that can help you shop for a Mexican auto insurance policy:
tips for driving in mexico
here are some tips if you are going to take a road trip to mexico: