Mexico Auto Insurance for Tourists

When driving a vehicle in Mexico with foreign license plates, it’s crucial to understand that your regular vehicle insurance from home won’t protect you once you cross the international border. The U.S. State Department advises that U.S. automobile liability insurance is not valid in Mexico, and most collision and comprehensive coverage issued by U.S. companies is also invalid there. Additionally, Mexican authorities do not recognize auto insurance policies from companies located outside Mexico. Therefore, if you plan to drive in Mexico, you must purchase temporary Mexican auto insurance from a Mexico-domiciled insurance provider.

Here are some key points about Mexico Auto Insurance:

  1. Coverage Requirements:
    • U.S. automobile liability insurance is not valid in Mexico.
    • Most collision and comprehensive coverage from U.S. companies is also invalid.
    • Mexican authorities do not recognize foreign auto insurance policies.
    • You must purchase Mexican vehicle liability insurance from a Mexico-based provider.
  2. Policy Features:
    • Collision and upset/material damage coverage.
    • Total loss coverage.
    • Third-party liability coverage.
    • Medical coverage per passenger.
    • Legal assistance.
    • Roadside assistance.
    • Theft coverage (except for motorhomes or RVs).
  3. Limitations and Restrictions:
    • Available only for Canadian or U.S. registered personal-use vehicles.
    • Coverage is valid only for citizens or residents of Canada or the USA.
    • Drivers must have a valid driver’s license.
    • Coverage is effective only within Mexico.

Remember to obtain an estimate of your vehicle’s value and provide your vehicle identification number (VIN) when getting a quote for Mexican auto insurance. Checking that the VIN on your registration matches the number on the vehicle is essential.

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you. After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy. Contact us today, and we'll help you protect what matters most.