- Last Updated: August 31, 2022 by Roxanna Brock McDade
- Categories:
- Auto Insurance, Driving to Mexico
Something few people think about when planning a road trip to Mexico, especially for the first time, is the fact that they need Mexico liability insurance for their vehicle. Leaving for Mexico is a little more difficult than loading the car, gassing up and grabbing a map, but not much.
Now that you know you need Mexico insurance, you must be wondering how much you will pay and how to obtain a car insurance policy. No worries, we got you covered.
Mexican Car Insurance is Required by Law
A little-known fact is that Mexico Federal Laws require foreign plated vehicles carry Mexican liability car insurance. This means insurance from a Mexican domiciled insurance company.
Though most Mexican companies will sell a policy directly, the language will be in Spanish, as well as the terms and conditions. Coincidentally, some American companies (like Mexpro) have developed relationships with these insurers and offer quotes, policies and terms and conditions in English, making buying insurance much easier. And, you can easily call to ask questions.
Mexpro has gone so far as to negotiate bilingual claims adjusters, customer service agents and some additional coverage, more like what you may be used to in the U.S. or Canada.
Your U.S. or Canadian policy may cover you for collision, but generally only a certain distance from the border. And, again, they cannot legally cover you with liability insurance.
What Happens if I don't have Mexico Insurance?
In Mexico you are "guilty until proven innocent." And when involved in an at-fault accident, you can be held (with the possibility of that being in a Mexican jail), until you can prove you can pay for the accident.
What Coverage Do I Need on My Mexico Auto Insurance Policy?
As mentioned, only liability insurance is required. Mexpro recommends a liability limit of $500,000, which should cover any damage caused by an at-fault accident, as well as each state's maximum liability limit. This option is available on our liability policies and standard on our full coverage policies.
Full coverage policies will offer higher limits than liability insurance policies with respect to medical payments, legal assistance, and travel and roadside assistance.
Additional coverage provided by full coverage policies include:
- physical damage
- theft
- partial theft
- vandalism
- uninsured motorist
- gap coverage
- And, provide the option to have a vehicle repaired in the U.S.
How Hard is it to Get a Quote?
You can get an online quote in two minutes or less, or you can call to get a quote with the assistance of a bilingual, licensed agent.
To get a quote you will be asked for:
- Travel Dates (coverage begins at 12:01 am on the entering date and ends at 12:01am, the first minute on the day after the leaving date)
- Your vehicle information (Year, Make, Model, Market Value)
- Liability Limit
- Towed vehicle(s) information, if applicable (your coverage will be void if your tow vehicle is not included)
How to Buy a Mexican Auto Policy
Mexpro offers policies from several top A-Rated companies so our customers can find a policy that matches their needs and price point.
Choose a company and price and then you will be required to give your:
- Personal information (name, address, phone, email)
- Vehicle Identification Number (VIN)
- License plate number
- U.S. insurance policy information (Note: we cannot provide full coverage insurance, if you do not have
That's it! Then you pay and print your policy.
So...How Much is Mexico Car Insurance per Day?
Back to the original question, now that we've given you some background information on Mexican car insurance. As in the U.S. and Canada, the price varies according to your coverage choices and vehicle information. Since we can't give you a set price per day, we'll offer some examples to give you an idea of what you might pay.
| Vehicle | Length of Trip | AVG Liability Cost | AVG Full Coverage Cost | 6-month Full Coverage Cost | 1-year Full Coverage Cost |
|---|---|---|---|---|---|
| 2013 Honda Accord $16k | 3 days | $16.50/day ($50) | $26/day ($78) | $2/day ($378) | $1.20/day ($445) |
| 2 weeks | $9/day ($128) | $17/day ($233) | $2/day ($378) | $1.20/day ($445) | |
| 2018 Jeep Wrangler 4WD $29k | 3 days | $16.50/day ($50) | $33/day ($99) | $2.70/day ($488) | $1.60/day ($584) |
| 2 weeks | $9/day ($128) | $22/day ($308) | $2.70/day ($488) | $1.60/day ($584) |
2013 Honda Accord
Insured for $16k
3 days in Mexico
Liability
$16.50/day ($50)
Full-Coverage
$26/day ($78)
6-Month Full Coverage
$2/day ($378)
1-Year Full Coverage
$1.20/day ($445)
2013 Honda Accord
Insured for $16k
2 Weeks in Mexico
Liability
$9/day ($128)
Full-Coverage
$17/day ($233)
6-Month Full Coverage
$2/day ($378)
1-Year Full Coverage
$1.20/day ($445)
2018 Jeep Wrangler 4WD
Insured for $29k
3 days in Mexico
Liability
$16.50/day ($50)
Full-Coverage
$33/day ($99)
6-Month Full Coverage
$2.70/day ($488)
1-Year Full Coverage
$1.60/day ($584)
2018 Jeep Wrangler 4WD
Insured for $29k
2 Weeks in Mexico
Liability
$9/day ($128)
Full-Coverage
$22/day ($308)
6-Month Full Coverage
$2.70/day ($488)
1-Year Full Coverage
$1.60/day ($584)
*Prices in USD
When choosing your policy, you will want to think about how many days per year you will be in Mexico. Purchasing a six-month or annual policy could cost you much less in the long run, depending on the length of time or how many days per year you will spend in Mexico.
Expect prices for drivers under the age of 21 or over 80 will be higher.
How Do I Choose a Mexico Insurer?
The most important thing to look for when choosing a Mexican auto insurance company is a solid financial ranking. A.M. Best and Standard & Poors rate institutions on financial solvency and other factors.
Mexpro only offers insurance through companies that are A rated or better from A.M. Best.
Mexico insurance costs between $2 and $40 a day depending on your vehicle, the coverage you choose, and the length of your policy.
The next time you plan on driving in Mexico, don't forget your bathing suit, but also remember to get Mexico insurance. Protect yourself, your vehicle and your friends and family with a solid insurance policy.
Get a quote now from Mexpro in two minutes or less from up to three A-Rated Mexico insurers. You can buy Mexican insurance online or call us at (855) 639-7761. We also offer mobile quotes in case you are on the road when you remember to get insurance. Happy and safe travels!
