Insurance In Mexico, Auto Insurance | Oscar Padilla's Mexican Insurance (2024)

FAQs

Does my auto insurance cover my vehicle in Mexico? ›

Your US auto insurance policy won't cover your car if you drive into Mexico. To have coverage while driving in Mexico, you need to buy a separate Mexico tourist auto policy.

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.

Mexico coverage refers to (1) the coverage provided under certain nonstandard automobile policies issued by US insurers for operation of an insured motor vehicle within Mexico, usually limited to a stated number of miles from the US border.

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.

Your Mexican auto insurance company will help you after a car accident. Be sure to contact them as soon as possible. Call the police first! Your Mexican auto insurance policy will provide you with bail bond insurance, as well as accident insurance if you purchased that coverage.

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.

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.

Mexpro's policies provide liability coverage that is required by law when driving in the United States, as well as medical expense coverage.

Short-term third-party liability insurance

Policies for Mexican-plated vehicles driving into the USA and Canada can be purchased on a short-term basis only—you select the number of days you intend to visit the US/Canada as part of the quotation process.

You Still Need Insurance. 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.

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.

Mexico Insurance provides a customer with liability and asset protection necessary to be in compliance with Mexican law while visiting Mexico. Mexican law requires this insurance to drive into Mexico. Mexico insurance can only be purchased at the rental counter and not online.

You might be required to pay indemnification of up to $300,000 US dollars per death resulting from an at-fault accident. To be protected from this potential liability, we recommend that you carry at least $300,000 CSL liability limits for Mexican Auto Insurance.

Public healthcare has an elaborate provisioning and delivery system instituted by the Mexican government. It is provided to all Mexican citizens, as guaranteed by Article 4 of the Constitution. Public care is fully or partially subsidized by the federal government, depending upon the person's employment status.

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.

The short answer to the titled question is yes, it is safe to drive in Mexico with US plates. No major issues will present themselves.

It is better to think of this as covering only your vehicle losses in Mexico, but it cannot cover your financial responsibility to others (liability). Mileage restriction - Generally, U.S. auto policies have a mileage restriction into Mexico (usually between 25-100 miles).

Your employer-provided health plan may have limited or no coverage in Mexico, and Medicare doesn't cover health care outside the United States, except in rare cases. Travel health insurance pays for emergency medical expenses during a trip. These expenses include the following: Ambulance service.