Mexico Car Insurance
Drive With Confidence South of the Border.
Your U.S. auto policy does not cover you in Mexico — period. We’ll make sure you have the right coverage before you cross the border.
⚠️ Important
It is illegal to drive in Mexico without Mexican auto liability insurance. Your U.S. auto insurance policy does not extend coverage into Mexico. You must purchase a separate Mexican auto insurance policy.
What’s Covered
Mexico Car Insurance Coverage Options
Our Mexico auto policies are comprehensive — designed to protect you under Mexican law, with claims handled in the U.S.
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Third Party Liability
Up to $300,000 in Mexican liability coverage. We recommend at least $500,000 — Mexican liability law can multiply claims significantly.
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Physical Damage & Total Theft
Covers your vehicle for collision damage, total theft, fire, and natural events. Vehicle value is set at time of purchase using Kelly Blue Book.
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Medical Expenses
Covers medical costs for you and your passengers following an accident, including international medical air transportation.
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Legal Aid & Bail Bond
Unlimited legal assistance for accident-related issues. Bail bond coverage up to the liability limit. Essential — accidents in Mexico can result in detention.
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Roadside Assistance
Towing, flat tire, fuel delivery, and locksmith services — available throughout Mexico.
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GAP Coverage
Covers the difference between what your car is worth and what you owe — especially important for newer financed vehicles.
Frequently Asked Questions
Mexico Car Insurance Q&A
Everything you need to know before driving into Mexico.
Does my U.S. auto insurance cover me in Mexico? +
No. Your U.S. auto insurance policy is written under U.S. liability laws and does not extend to Mexico. It is illegal to drive in Mexico without a Mexican auto insurance policy. You must purchase separate coverage before crossing the border.
How much liability coverage should I buy? +
We recommend a minimum of $500,000. Under Mexican Federal Liability Law, if an accident results in a death, the minimum wage multiplied by 5,000 applies per person — and the state can multiply that amount up to five times. Liability claims can escalate quickly.
Am I covered if I drive on a dirt road in Mexico? +
Not under all policies. Many Mexican auto insurance policies only cover “conventional roads” and specifically exclude dirt roads, beaches, riverbeds, and farm roads. Since many roads in Mexico are unpaved, this is a critical policy detail to review before you buy.
Do I need to buy insurance if I rent a car in Mexico? +
Yes. Always purchase both the liability and physical damage coverage from the rental company in Mexico. Your U.S. auto policy and credit card coverage do not apply in Mexico. Driving without coverage is illegal and extremely risky.
Where are claims settled? +
Our Mexico auto policies settle claims in the U.S. in U.S. dollars through International Claim Service. This is a major advantage over policies that require you to litigate in Mexico under Mexican jurisdiction.
Can my partner drive the car under my policy? +
It depends on the policy. Many Mexican auto insurance policies are written as named driver policies. If both you and your partner will be driving, make sure both names are listed as insured drivers before you cross the border.
What terms are available? +
We offer daily, six-month, and annual policies. If you’re driving in Mexico longer than 30 days, a six-month policy is typically required. Note: most six-month policies are fully earned — meaning no refund if you cancel early.
What Our Clients Say
Real Reviews from Real Clients
Don’t just take our word for it.
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