Mandatory Mexican Insurance (2024)

FAQs

What insurance is mandatory in Mexico? ›

Liability car insurance in Mexico

You are required by Mexican law to have liability insurance. If you cause a car accident, this covers bodily injuries and property damage to others. You can typically choose a policy limit (up to a certain amount).

In Mexico, third party insurance cover is compulsory so if it's not included in the quote, you will need to purchase it.

Collision Damage Waiver (CDW) / Loss of Use

If your card covers it, you can DECLINE the coverage, even though they will often attempt to insist that you must have it. If they do, walk away.

The Mexican Federal Liability Law requires that you have car insurance coverage at all times while driving in Mexico. A Mexican policy includes liability insurance with add-ons for physical damage coverage, legal assistance, roadside assistance and more.

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.

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.

The answer is yes. However, purchasing car insurance at the border will be more expensive than doing it beforehand. The company will ask you general questions such as your age, length of visit, and where you are going. How Much Does It Cost?

Third Party Liability Protection is required unless customer has valid proof of liability insurance for México. Basic Protection (CDW-TPL). Includes all provision of Mandatory Coverage. Covers exterior vehicle damage and vehicle parts theft with a 10% CDW deductible of vehicle value.

In order to rent a vehicle with Enterprise Rent-A-Car Mexico, it is necessary to present an official ID (INE or Passport), valid driver's license and credit card of the person who will be the contract holder; all of them in original.

Having CDW insurance is a necessity when renting a car, however, if you do decide on other options, check with your bank and current insurers about exactly how much coverage you'll be offered and be sure to ask about the pitfalls. If you have questions, we also recommend speaking with your car rental company.

Is it worth it to get CDW? ›

A CDW may also be worth considering if you: Simply want to be sure you're not responsible for any extra charges due to vehicle damage. Don't want the hassle of identifying coverage gaps in your auto insurance and credit card coverage.

Mexican auto insurance helps protect United States residents who drive in Mexico. Such a policy provides different kinds of coverage, including special liability protection and protection against the high costs of any potential legal trouble you get into while visiting the country.

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. 50,000 Mexican pesos (around $2,500) for property liability damage.

If you are a U.S. citizen, you also need to purchase Mexican Automobile Liability Insurance to take a rental car to Mexico. This insurance is only available at certain U.S. rental locations.

Most typical U.S. auto insurance policies will not cover Mexico. So, if you're heading south of the border, you'll need additional coverage for the family wagon. GEICO, for example, has partners that offer Mexico-specific policies for cars, RVs and motorcycles.

While you aren't legally required to have travel insurance as a visitor to Mexico, it can still be valuable protection for expensive nonrefundable trip costs. Secure. Fast. Free.

Mexico requires drivers to hold 100,000 Mexican pesos (around $5,800) for bodily injury and death liability coverage and 50,000 Mexican pesos (around $2,900) for property liability damage. If you're caught driving in Mexico without this minimum coverage, you may face a fine of at least $200.

Mexico's public healthcare operates through the Instituto Mexicano de Seguro Social (IMSS) and Seguro Popular systems. These cover patients for most medical services and prescription drugs.

If a non-licensed reinsurance or insurance company operates in Mexico on a non-admitted basis and carries out active insurance operations in Mexico, it shall be deemed to be breaching Mexican law and the transaction shall be null and void.