Why You Need a Separate Auto Policy When in Mexico

When planning to drive to or within Mexico, securing a separate auto policy from a U.S. broker is essential. This is because your standard U.S. auto insurance policy typically does not provide coverage in Mexico, leaving you vulnerable to significant legal and financial risks.

Do I Need Special Insurance to Drive in Mexico?

Mexican law mandates that all vehicles operating on federal roads must carry third-party liability insurance from a Mexican insurer. U.S. auto insurance policies are typically not recognized by Mexican authorities, meaning you must obtain a Mexican auto insurance policy to comply with local regulations. Without this coverage, you could face hefty fines, vehicle impoundment or even detention if involved in an accident.

Additionally, Mexican auto insurance policies are specifically designed to address the unique risks and requirements of driving in Mexico. These policies often include mandatory liability coverage and optional coverage for physical damage, theft and legal assistance. Legal assistance coverage is significant, as it can help cover bail and legal fees if you’re involved in an accident and detained by authorities. U.S. insurance brokers can facilitate the purchase of these policies.

What Insurance Do I Need to Drive a Car to Mexico?

Those driving a car in Mexico should typically consider the following coverage:

1. Liability insurance
2. Collision damage coverage
3. Medical expense coverage
4. Legal assistance
5. Roadside assistance

Learn More

For insurance near you, contact Primero Insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.