does my car insurance cover me in mexico

Full Answer

Do I need Mexico car insurance and why?

When it comes to driving your car out there in Mexico, it will not cover your liability whether for damages or injury to other drivers. Purchasing a Mexican car insurance policy is a must if you want to shun the high cost of an accident – or even an extended stay in a Mexican prison. So Why Is Mexican Car Insurance Really Necessary?

How much does Mexican car insurance cost?

The bare minimum car insurance policy for Mexico costs around $10/day, and after you add a broker fee, IVA tax, you might be looking at $19. For 3 days, it might be $38. Isn’t it worth it? Let’s take a look at the factors that make up the true cost of a Mexican Insurance policy.

Does your car insurance cover you 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.

Do you need Mexican car insurance?

You need to carry Mexican auto insurance to drive legally in the country, as liability coverage is mandatory. If you're involved in an accident while driving in Mexico, the maximum amount you may have to pay out if another party is injured or killed in an accident varies depending on where you drive.

Can I use my US car insurance in Mexico?

Does Your Car Insurance Cover You In Mexico? 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.

Do you need extra car insurance for Mexico?

Mexican Federal Liability Law requires insurance for all vehicles. Once you cross the border, your U.S. car insurance will have limited or no coverage. If you are involved in a car accident without insurance, you could be arrested.

Does my car insurance cover me if I drive to Mexico?

However, if you're a U.S. driver planning a road trip to Mexico, your regular car insurance won't cover you once you cross the border. Mexican law requires visiting drivers to get insurance through a Mexican provider.

What insurance companies cover Mexico?

Which companies provide coverage in Mexico?Allstate Mexico Tourist Auto Insurance. ... GEICO Mexico Car Insurance. ... Progressive Mexico Insurance. ... Liberty Mutual Mexican Auto Insurance. ... Other options for car insurance in Mexico.

What kind of car insurance do I need in Mexico?

You need to carry Mexican auto insurance to drive legally in the country, as liability coverage is mandatory. If you're involved in an accident while driving in Mexico, the maximum amount you may have to pay out if another party is injured or killed in an accident varies depending on where you drive.

What rental car insurance is mandatory in Mexico?

Third party insuranceThird party insurance is compulsory by Mexican law when you rent a car in Mexico. This insurance covers third parties for any damages in the event of a mishap, but it does not cover the renter's liability for the vehicle itself.

How far into Mexico does American insurance cover?

The Mexico Coverage Endorsement provides limited extension of coverage for accidents occurring in Mexico within 25 miles of the United States border while the insured is on a trip for 10 days or less.

Can you drive in Mexico with a U.S. driver's license?

You are required to drive with a license in Mexico Firstly, you will need not only your passport for traveling, but you should also have your U.S. Driver's License with you. You are required to drive with a license in Mexico, and your one from the U.S. is accepted when traveling throughout Mexico.

Does car insurance cover out of country?

Typically, your personal car insurance policy will not cover you abroad.

What do you do if you get into a car accident in Mexico?

Dial 911. Make sure an accident investigator (perito) is sent to do an accident report. An accident report is important to have to file a claim and prevent delays in paying your claim. Call your insurance company as soon as possible after the accident occurs and before you leave Mexico.

Can I use AAA in Mexico?

Find savings at more than 500 partner locations throughout Mexico with your AAA Membership. Use your AAA card wherever you see this sign: To learn more about membership savings internationally through AAA at your local AAA website click "GO." International Affiliate Members, click here to access the site.

What happens if your car is stolen in Mexico?

If your vehicle was stolen during your visit to Mexico, please immediately report the theft by calling 911. You must then immediately visit a District Attorney's office to obtain a police report.

How much does Mexican auto insurance cost?

Cost of Mexican Car Insurance On average, a Mexican auto insurance policy with full coverage will cost you $20.72 per day. Your rates depend on what time of year you're traveling, your car's make and model, and how long you're planning on staying.

Does AAA work in Mexico?

Traveling in Mexico? Find savings at more than 500 partner locations throughout Mexico with your AAA Membership.

How much is mandatory liability insurance in Mexico?

The mandatory auto insurance in Mexico with limits requested by the authority, will cost less than 1,000 pesos (approx. $53 USD) on average depending on the vehicle.

Is 3rd party liability required in Mexico?

When driving any vehicle in Mexico, you are required by law to have Mexican third party liability (TPL) insurance. Foreign auto policies are not recognized in Mexico, so you will need a Mexican insurance policy.

Why can't my U.S. or Canadian auto insurance policy cover me in Mexico adequately?

Just as U.S. authorities will not accept a Mexican auto insurance policy for an accident, Mexican authorities will not accept a U.S. or Canadian po...

When my U.S. auto insurance company says they offer limited coverage into Mexico, what does this mea...

This can vary company to company, but in general limited coverage may mean: U.S. insurance companies and agents should always advise getting a Mexi...

What other limitations could there be with my U.S. auto policy besides the ones already mentioned?

Some U.S. companies will not extend their coverage into Mexico unless you have a Mexican insurance policy. U.S. insurance companies have no backgro...

Does the liability portion of my U.S. auto insurance policy extend into Mexico?

Generally no. Some U.S. companies say they do offer liability, but this can be misleading since it will not be recognized by Mexican authorities. T...

Which companies offer Mexico car insurance?

GEICO, Allstate, and Progressive are not the only companies with Mexico car insurance options. See other options below:

What is the liability for Mexican tourists?

Allstate Mexican Tourist Auto Insurance coverage includes: Liability: bodily injury and property damage up to $500,000. Medical payments for the insured and passengers. To qualify for Allstate's Mexican auto insurance, you must have a similar US policy and be older than 21.

What is standard coverage?

Standard coverage: includes all the coverage of basic in addition to collision and theft (no comprehensive coverage) Extended coverage: all of the above, plus vandalism, partial theft, domestic repair and fixed deductibles.

Does Liberty Mutual insure RVs?

Liberty Mutual partners with MexPro to insure cars, RVs, motorcycles, and other towable vehicles. Below are Mexico coverage options available via Liberty Mutual and MexPro:

Does Progressive offer insurance in Mexico?

Progressive offers coverage in Mexico for cars, RVs, and motorcycles. Progressive breaks its Mexican insurance coverage into three tiers: Basic coverage: liability, travel assistance, med pay, roadside assistance, and legal assistance (no physical coverage) Standard coverage: includes all the coverage of basic in addition to collision and theft ...

Who writes Geico insurance?

GEICO's Mexican car insurance policies are written by Grupo Nacional Provincial and El Aguila Compania de Seguros, which also provide coverage for watercraft. You can find coverage in Mexico for your powerboat, yacht, personal watercraft, or sailboat.

Does my car insurance cover me in Mexico?

Does my US car insurance policy cover me in Mexico? Although your US driver’s license is valid in Mexico, a typical American auto insurance policy will not cover you once you cross the border. Some of the most affordable insurance companies sell additional Mexico car insurance endorsements and coverage options that extend coverage into Mexico.

How many miles does a policyholder have to travel to Mexico?

How many miles will it cover into Mexico? Texas and Washington: Policyholder must not go more than 25 miles from the US border into Mexico or stay longer than 10 consecutive days. All Other States (besides Massachusetts): Policyholder must not go more than 75 miles from the US border into Mexico or stay longer than 10 consecutive days. Massachusetts: Not available.

Does my auto insurance cover me in Mexico?

Does My U.S. Auto Policy Cover Me Into Mexico? Many people are surprised to learn that their U.S. or Canadian auto insurance does not cover them when driving in Mexico. Although true, some U.S. insurance companies may offer a limited extension of vehicle theft and damages coverage up to a specific number of miles.

Do you have to purchase Mexican insurance?

Fulfills the Mexican legal requirement in case of an accident? No, you must purchase a Mexican insurance policy from an authorized Mexican insurance broker.

Does a limited coverage policy extend to Mexico?

Extends limited coverage into Mexico? Yes, but you must call agent to have the limited Mexico endorsement added to your policy. Must have comprehensive and collision coverage.

Does the duty to defend under liability coverage apply to Mexican citizens?

Our duty to defend under liability coverage will only apply if original suit for damages is brought in the US and suit does not involve a Mexican citizen or resident.

Can you get insurance in Mexico?

Some U.S. companies will not extend their coverage into Mexico unless you have a Mexican insurance policy. U.S. insurance companies have no background in Mexican law to help you if you were involved in a serious accident in Mexico.

Does Mexico insurance cover a citizen?

The endorsement only covers you while you are occupying "your covered auto". Does not cover a citizen or resident of Mexico for any coverage except physical damages while operating "your covered auto".

How to report a car crash in Mexico?

If you’re in Mexico, you should report the crash while you’re still in the country (call 1-800-861-8380), and try reaching out to consular officials, who can walk you through the legal process . (Sometimes, it can be complicated.)

Does Geico offer Mexico specific policies?

GEICO, for example, has partners that offer Mexico-specific policies for cars, RVs and motorcycles. You can buy those plans for only as long as you’re in the country.

Does Geico cover Canada?

If you’re a GEICO customer, your regular auto insurance policy will cover you in Canada. Just remember to bring along proof of insurance, like your standard GEICO identification card. For Mexico, don’t forget to bring your proof of insurance and a copy of your policy along for the trip.

Does Your Car Insurance Cover You In Mexico?

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. You can buy those plans for only as long as you’re in the country.

What companies offer auto insurance in Mexico?

Companies like GNP, ABA, Ace, El Aguila, and GE Seguros make it easy for Americans to purchase auto insurance in Mexico. These companies all offer policies that look and read just like American auto insurance policies. They include liability coverage, property/bodily injury coverage, uninsured motorist coverage, and everything else you would expect to see in an American policy. Additionally, all policy terms are available in English, so you will not have any problem understanding them.

What Kind of Mexican Liability Coverage Do I Need?

American car insurance policies do not meet Mexico’s liability coverage requirements. Throughout Mexico, drivers are required to have a basic liability policy covering 50,000 pesos worth of damage. However, this only converts to about $3800, which isn’t enough to cover most accidents. It’s prudent to purchase a more extensive liability policy to make sure you are covered in the event of a more serious accident. Mexican law states that if you are the responsible party in an auto accident that results in death, you will need to pay around 483,000 pesos or $25,000. Ideally, you should invest in a liability policy that covers at least that amount.

What Does My American Insurance Cover?

Most companies will cover you in Mexico as long as you don’t drive too far from the border – typically your coverage will extend a 50-mile radius into Mexico. It’s important to check with your insurance company and confirm this with them before your trip, as every company offers slightly different coverage. However, you’re still going to need to purchase additional Mexican liability coverage.

How Can I Purchase a Temporary Mexican Insurance Policy?

It’s fairly easy to purchase a temporary insurance policy for traveling into Mexico. First, you should talk to your American insurance agent – since they are familiar with the industry, they can recommend companies for you to look into, and they can also help you decide how much coverage you need. Then, you can easily purchase a temporary Mexican insurance policy online. Be sure to get quotes from a few different companies before making your purchase, just as you would with American insurance. Luckily, these policies are quite affordable – just a few hundred dollars can cover you for six months. This will enable you to travel back and forth to Mexico multiple times if you desire.

What Documents Do I Need to Travel to Mexico?

Travelers are highly scrutinized, so make sure you have all the documents you need to avoid getting stuck. To get into Mexico, you will need your American driver’s license and passport, as well as proof of Mexican car insurance. You can request this from your new insurance company when you purchase your policy. Make sure to purchase your policy well in advance of your trip to ensure you will have proof of insurance. If you’re going more than 12 miles south of the United States border, you’re also going to have to fill out a Mexican vehicle import permit for your car and pay a security deposit. This will all be handled at the Mexican border station before you head into the country.

What Should I Do If I’m Moving to Mexico?

If you’re going to be moving to Mexico for an extended period of time, you’ll want to purchase a more extensive car insurance policy. Luckily, it’s very easy to purchase these policies online, and you can get fairly good rates for your time in Mexico.

Can you drive in Mexico without insurance?

It can be tempting to risk driving into Mexico without insurance, but you shouldn’t. If you get caught driving without insurance by the Mexican police, you could end up paying a hefty fine or even serving jail time. Even worse, if you get into an accident without coverage in Mexico, you could end up owing hundreds of thousands of dollars to pay for vehicle repairs and medical bills. Even if the risk of getting in an accident is relatively low, it’s still worthwhile to spend a few hundred dollars on protection to avoid crippling financial responsibility later on.

Why buy Mexico car insurance?

Are you traveling for the weekend, an RVer, or staying longer? GEICO can help you get a Mexico auto insurance policy that's right for you.

How to get insurance for a rental car in Mexico?

If you rent a car in Mexico, start by asking the rental agency. In most cases, you can get car insurance through them. Since most US auto insurers only insure rentals with US license plates, getting coverage through the Mexican rental agency is usually the only option.

What is roadside assistance in Mexico?

Roadside assistance is available with your Mexico auto policy, including towing, flat tire repair, fuel delivery, and more . Help is just a call away 24 hours a day in both English and Spanish.

Who issues Mexico insurance policies?

We secure policies by working with highly rated Mexican insurance companies like Grupo Nacional Provincial and El Aguila Compania de Seguros. These Mexico insurance policies are issued by a fully-licens ed US Insurance Broker, International Insurance Group, Inc. who issues over 100,000 Mexico auto policies each year.

Is Geico owned by Geico?

This site is not owned by GEICO. Any information that you provide directly to International Insurance Group, Inc. on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO assumes no responsibility for their privacy practices or the use of their website.

Does Geico cover Mexico?

Get a Mexico Car Insurance Policy With GEICO. 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. Mexico car insurance is competitively priced and offers customizable short-term or extended coverage options-including physical ...

Does Mexican insurance cover UTVs?

Have toys like ATVs, UTVs, or watercrafts? Mexican Insurance can cover those too with a slightly higher deductible. Start your free quote online to learn more.

How much liability insurance do you need in Mexico?

The recommended amount, which just happens to be the sum designated by Mexican federal law in the event of injury or death resulting from an auto accident, is $25,000. Whether the injured or deceased party is a passenger, bystander or someone in the other vehicle, the responsible party must be able to pay this minimum amount. That said, it might make considerable sense to carry coverage somewhat higher than the minimum.

What happens if you don't have Mexican insurance in Arizona?

According to the Arizona Department of Insurance, if you fail to purchase proper Mexican-issued insurance, you could face the misfortune of spending several unpleasant hours in a Mexican jail or be hit with a substantial fine.

Does Mexico have liability insurance?

auto insurance companies do offer coverage for any physical damage your car might sustain when driving relatively short distances in Mexico – typically, only in the 25 to 50 mile range – U.S.-based insurers are not permitted to offer liability insurance in Mexico.