Car Insurance for Mexico (2024)

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. In addition to car insurance, the U.S. State Department recommends getting bail coverage — this is included on all Progressive Mexico auto policies through MexPro.

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How to get temporary Mexico auto insurance

Progressive can provide you with appropriate coverage through MexPro, a specialized broker for Mexico auto insurance policies. Start your quote through us, and MexPro will help you find policies tailored to your travel plans that have all the coverage you need to be fully compliant.

How much does Mexico car insurance cost?

Temporary Mexico car insurance generally costs less than a standard policy in the U.S. Your Mexico car insurance cost will vary by insurer and be based on factors like your vehicle, how long you need coverage, and which coverages and limits you choose — much like standard car insurance cost factors. For example, the average daily rate for a Standard Coverage Mexico auto insurance policy from MexPro is $33.24 (includes liability, theft, and collision coverage),* while the average daily rate for a liability-only policy with $300,000 of coverage is $25.

MexPro offers varying periods of coverage, from one day up to a year. If you're planning a short-term trip to Mexico, you can get insurance coverage for just the period you'll be in the country. However, if you frequently cross the border for work or to visit family, you might consider a yearly plan that will protect you anytime you drive into Mexico. The cost per day of Mexican car insurance for tourists typically decreases the longer your Mexico trip is.

Get a Mexico insurance quote online or call 1-877-537-7878 to talk with a MexPro specialist.

How much is Mexican car insurance at the border?

Mexican car insurance at the border is typically far more expensive that purchasing a temporary Mexico policy ahead of time. So while it may be possible to get coverage at the border, you can save money and the hassle of purchasing at the border by getting a Mexico auto insurance policy ahead of your trip.

What kind of coverage do I need in Mexico?

The only type of coverage you're legally required to have in Mexico is liability, and you'll need to get it through a specialized insurer.Progressive Mexico Auto Insurance by MexPro can help you get the coverage you need. Consider the Mexico equivalent of these additional auto coverages when buying car insurance for your Mexico trip:

  • Collision

  • Theft

  • Travel assistance

  • Medical payments

  • Legal assistance

  • Vandalism

  • Roadside assistance

Some plans offer the option of repairing your vehicle in the United States if it's damaged in Mexico. This means the policy will cover additional labor costs associated with having your car repaired in the U.S.

Pro tip:

Research how much liability coverage is required in each of the Mexican states you plan to drive in. If you'll be traversing multiple states and one has a higher requirement for coverage limits, you'll need to get at least that amount.

What insurance documentation should I carry in Mexico?

When you purchase Mexico car insurance, you should receive a receipt, declarations page in English and Spanish, disclosures, claims instructions, roadside assistance instructions, and terms and conditions. Print a couple copies of everything except the terms and conditions, and take them with you.

Important note: Mexico authorities accept electronic documentation as proof of insurance, though it's suggested to have printed copies on hand. MexPro will email your documentation in one PDF document once you purchase a policy.

During your Mexico trip, carry one copy of your car insurance documentation when you're driving and keep one in a more secure place like your hotel safe. You should also be prepared to access a digital version. If you get in an accident or pulled over for a traffic violation in Mexico, show your documentation to the police as proof of insurance.

Find out the additional documentation requirements for driving into Mexico.

Rental car insurance in Mexico

If you rent a car in Mexico, you should consider buying insurance through the rental agency. You may find renting a car in the U.S. for a Mexico trip a little more difficult, since many U.S. rental agencies don't allow their cars to be driven into Mexico, or they may limit where you can travel to. If you do rent a car in the U.S. for a Mexico trip, you can buy coverage through the rental agency or check with your credit card provider to see if they offer coverage for rental cars in Mexico. Either way, make sure you research your rental and coverage options before making plans to avoid any travel headaches.

Is my car insurance valid in Mexico?

No, U.S. auto insurance policies aren't valid in Mexico. If you'll be driving in Mexico, even for a short time, auto insurance is required by Mexican law, and you could end up in jail if you're involved in an accident and don't have it. If you're found to be at fault, Mexican authorities could detain you until liability coverage for the necessary amount can be verified. Because of this, the U.S. State Department recommends adding bail coverage to your Mexico auto policy.

Learn more about international car insurance.

Car Insurance for Mexico (2)

Quote Mexico auto insurance for your trip

  • Or, call 1-877-537-7878

Learn more about Mexico auto insurance policies.

Car Insurance for Mexico (3)

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Car Insurance for Mexico (2024)


Do I need special car insurance for Mexico? ›

To have coverage while driving in Mexico, you need to buy a separate Mexico tourist auto policy. Mexico car insurance is competitively priced and offers customizable short-term or extended coverage options, including physical damage, liability, vandalism, partial theft, medical payments, roadside assistance, and more.

How much is car insurance for Mexico? ›

The cost of Mexican car insurance for tourists can range from about $50 to $80 for liability-only coverage and $150 to $200 for full coverage. The specific price you pay depends on factors such as the value of your car, the length of your visit and the coverages you choose.

Does AAA 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.

What insurance do I need to travel to Mexico? ›

There are currently no requirements that require U.S. citizens to carry medical or travel insurance as a condition of entering the country. However, since Mexico is still considered a developing country, many Americans purchase travel insurance before going.

Does my U.S. car insurance cover me in Mexico? ›

No, U.S. auto insurance policies aren't valid in Mexico. If you'll be driving in Mexico, even for a short time, auto insurance is required by Mexican law, and you could end up in jail if you're involved in an accident and don't have it.

Can I use my U.S. insurance 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.

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.

Does your car insurance work in Mexico? ›

Unfortunately, regardless of how comprehensive your US insurance policy is, it won't cover you while driving in Mexico. Therefore, you must buy a separate insurance cover if you cross the border in your own car. This liability insurance must be purchased from a company that is licensed in Mexico.

What rental car insurance do I need in Mexico? ›

Personal Liability Insurance, also referred to as Third-Party Insurance, is mandatory when renting a car in Mexico. You cannot rent a car without this coverage. Although this is the only obligatory type of insurance, it's not always enough. In fact, it's highly recommended to opt for additional coverage.

How much is Mexican car insurance per day? ›

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.

Can you buy Mexican car insurance at the border? ›

You're probably wondering if you can buy Mexican car insurance at the border. The short answer is, yes. But, what are the pros and cons of purchasing a policy at the border?

Do I need Mexican insurance to drive to Mexico? ›

In other words, if you drive into Mexico beyond the border zones, it will be mandatory for you to get liability insurance (also called "third party liability") from a company based in the Mexican Republic.

Why is Mexico travel insurance so expensive? ›

Cheap travel insurance for Mexico

Worldwide travel insurance is considerably more expensive than domestic or European policies due to the potential medical costs in foreign countries. You can still find affordable cover, though. If you're travelling with your partner a couples travel policy could be cheaper.

How much is insurance to Mexico? ›

Key points. The average cost of travel insurance for an eight-day trip to Mexico is $157. Comprehensive travel insurance for Mexico should include coverage for trip cancellation, trip delay, trip interruption, travel medical, emergency medical evacuation and baggage loss.

Does Gap insurance cover theft in Mexico? ›

Theft protection (partial and full): Covers the partial or full theft of your vehicle if it's stolen while you're in Mexico. Gap coverage: If your car is totaled, gap coverage will pay you the difference between the value of the totaled car and what you still owe on your car loan or lease.

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