How does car insurance work in Mexico? (2024)

How does car insurance work in Mexico?

Mexican law requires all drivers, including U.S. tourists who plan to drive in the country, to have liability coverage. The minimum requirements are: 100,000 Mexican pesos (around $5,000) for bodily injury and death liability coverage. 50,000 Mexican pesos (around $2,500) for property liability damage.

How much does it cost to insure a car in Mexico?

Similar to car insurance policies in the U.S., Mexican car insurance costs will vary from provider to provider and from person to person. For most providers, rates can be anywhere between $1 to $70 per day depending on your length of stay and vehicle type; we'll do a deep dive into both below.

Do you have to pay car insurance in Mexico?

Yes, car insurance is required for visitors to Mexico, and your United States auto insurance policy won't be valid there. To be protected, you'll need a separate Mexico car insurance policy that covers you for liability while you're in the country.

How to get car insurance to drive in Mexico?

You'll need coverage from an admitted and authorized Mexico Insurer to drive across the border. Our partner, MexPro, offers customizable coverage options to ensure you have the right insurance plan for your trip.

What insurance do you need when renting a car in Mexico?

Third Party Damage Liability (TPL) protection is mandatory on all rentals without exception. In Mexico, the Protection of Damages to Third Parties (Civil Liability) is required by Law in all vehicles.

Does U.S. auto insurance work in Mexico?

Your U.S. auto insurance won't cover you after crossing the border of Mexico. You'll need a special Mexican auto insurance policy to legally drive in Mexico, which can be acquired through an insurance agent.

How much should I pay for Mexican car insurance?

How Much is Mexican Car Insurance Per Day? The costs average between $2 and $40 a day. The cost depend on several factors including type of vehicle, length of stay and the type of coverage you choose. You can purchase a policy for a day, a month, or a year.

How much is Mexican car insurance per day?

Mexico insurance costs between $2 and $40 a day depending on your vehicle, the coverage you choose, and the length of your policy.

Is your car insurance good in Mexico?

Visit your My NerdWallet Settings page to see all the writers you're following. You'll need Mexican liability car insurance to legally drive in Mexico. A U.S. auto insurance policy won't cover you in Mexico, and you could be jailed if you are in an accident while driving uninsured there.

Can I buy car insurance at the Mexican border?

Purchasing Mexican car insurance is a lot easier than you may think. You can purchase car insurance online through companies that have international car insurance policies and partners. If you happen to forget, you may be wondering, “can you buy Mexican car insurance at the border?”. The answer is yes.

What happens if you don't have car insurance in Mexico?

Mexico legally requires all drivers, including American tourists, to have liability insurance, and failing to purchase enough insurance could land drivers in jail should they cause an accident.

Do I need separate car insurance in Mexico?

Your U.S. car insurance policy alone will not be sufficient to satisfy Mexican Federal Liability Law. To satisfy this law, you must buy a separate Mexican liability insurance policy from a licensed Mexican insurance company.

Does Geico work in Mexico?

The GEICO Insurance Agency can help you get affordable insurance in Mexico. So, whether you need a policy for a few days, 6 months, or a year, you can get the coverage you need.

How much does it cost to rent a car in Mexico?

Can I rent a car and take it to Mexico?

Renters driving into Mexico must be U.S. residents. Only corporate customers can go into Mexico. Renters must inform staff at the rental counters that they are planning on traveling into Mexico. You will need to purchase Mexican Automobile Liability Insurance.

Can I rent a car in San Diego and drive to Mexico?

Driving from San Diego to Mexico

Customers can drive to Mexico with the rental car but additional insurance is required.

What happens if I get in a car accident in Mexico?

Immediate Steps After an Car Accident in Mexico:

Stay calm and call 911. Check to see if anyone is injured or hurt, offer help, if possible. Get the names and addresses of all the drivers involved in the accident. Get the license plate numbers of all the vehicles involved in the accident.

Does my AAA insurance cover me in Mexico?

Since U.S. liability insurance is invalid in Mexico, you'll need proof of Mexico auto insurance for a road trip south of the border. AAA can help you get what's required through one of Mexico's largest and most reputable insurance companies.

Does my US car insurance cover me in another country?

Most U.S. auto insurers won't cover you while driving abroad, except for driving in Canada and driving in Mexico. Unless you have a credit card offering rental car insurance, you'll probably need to purchase your insurance from the rental company. Learn more about international car insurance and rental car insurance.

How much is Mexican car insurance for a week?

And depending on many factors (including what car you're driving, how long you're staying, and which coverage options you choose), the cost ranges from $2 to $40 per day. If you're traveling south of the border for a week, you can get coverage for as little as $14.

How far into Mexico does insurance cover?

The Mexico Coverage Endorsem*nt provides limited extension of coverage for accidents occurring in Mexico within 25 miles of the United States border while the insured is on a trip for 10 days or less.

What do I need to know before driving to Mexico?

Can an American drive in Mexico?

First of all, driving in Mexico with a US license is allowed, as is any other license written in English or Spanish. If not, you're going to have to get an International Driver's License. Additionally, in Mexico, drivers must always carry proof of insurance.

Can you turn right on red in Mexico?

In Mexico, right turns on red are generally allowed unless a sign indicates otherwise. Mexico City has implemented a new transit law which prohibits right turns on red.

Does the Mexican border check your car?

Even though you always have the right to remain silent, if you don't answer questions to establish your citizenship, officials may deny you entry to the U.S. or detain you for search and/or questioning. Agents may search any person, the inside of any vehicle, and all passenger belongings.