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.
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 I have to buy car insurance to visit Mexico?
You may be traveling into Mexico using a rental car or you plan on renting one once you arrive. You will still need to invest in mexican car insurance because it is illegal to drive without it. Car rental companies will be able to provide the details on what you will need and will offer you various packages.
Do I need special car insurance to drive in Mexico?
You'll need a special Mexican auto insurance policy to legally drive in Mexico, which can be acquired through an insurance agent. If you're planning to drive a rental car in Mexico, you may be able to purchase the insurance coverage directly through the rental agency, according to the Department of State.
Is American car insurance valid in Mexico?
U.S. auto insurance policies aren't valid in Mexico. If you'll be driving there, 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 many miles into Mexico does my insurance cover?
Mileage restriction - Generally, U.S. auto policies have a mileage restriction into Mexico (usually between 25-100 miles). If you drive out of the specific mileage zone, your U.S. provider will not be able to provide the Mexico coverage extension.
Do I need to buy Mexican insurance?
You need Mexican auto insurance if you plan to drive in Mexico. Your U.S. car insurance policy alone will not be sufficient to satisfy Mexican Federal Liability Law. To satisfy this law, you must buy a separate Mexican liability insurance policy from a licensed Mexican insurance company.
Does AAA insurance cover in Mexico?
AAA can help you get what's required through one of Mexico's largest and most reputable insurance companies. Policies range from a day to a year so you can customize coverage to fit your needs.
Will my car insurance cover me in another country?
Typically, your personal car insurance policy will not cover you abroad.
How much does Mexican liability insurance cost?
How much does Mexican car insurance cost? The cost of Mexican car insurance for tourists can range from about $50 to $80 for liability-only coverage and $150 to $200 for full coverage. The specific price you pay depends on factors such as the value of your car, the length of your visit and the coverages you choose.
Can a US citizen drive in Mexico?
Temporary import permits for cars registered in the United States are needed in order to drive beyond the border zones in Mexico. Permits are enforced when driving approximately 20 kilometers into Mexico. Permits are NOT needed in the Baja Peninsula. Banjercito is the government authority that issues vehicle permits.
What is Mexican collision coverage?
It is generally recommended, based on Mexican laws for possible payouts for bodily injury or fatality, that drivers get a minimum of about $300,000 worth of third-party liability damage coverage. That may be more than your limits at home, but it is considered well worth it.
What rental car insurance is needed in Mexico?
Third-Party InsurancePersonal Liability Insurance, also referred to as Third-Party Insurance, is mandatory when renting a car in Mexico. You cannot rent a car without this coverage. Although this is the only obligatory type of insurance, it's not always enough. In fact, it's highly recommended to opt for additional coverage.
Do you need car insurance to cross the Mexican border?
Whether you're driving your own vehicle or renting a car, you'll need to purchase a Mexico tourist auto insurance policy for your trip. If you plan on driving your own vehicle, contact your insurance agent about purchasing a Mexico tourist auto insurance policy.
What is the average cost of car insurance in Mexico?
Car insurance for basic liability (no collision coverage) in Mexico is only about US $40 to $50 per month. If you want to protect yourself with full coverage, it would cost around $100 to $120 per month, depending on what car you have.
What insurance do I need to rent a car in Mexico?
Personal Liability InsurancePersonal Liability Insurance, also referred to as Third-Party Insurance, is mandatory when renting a car in Mexico. You cannot rent a car without this coverage. Although this is the only obligatory type of insurance, it's not always enough. In fact, it's highly recommended to opt for additional coverage.
Do you need car insurance to cross the Mexican border?
Whether you're driving your own vehicle or renting a car, you'll need to purchase a Mexico tourist auto insurance policy for your trip. If you plan on driving your own vehicle, contact your insurance agent about purchasing a Mexico tourist auto insurance policy.
How much is Mexican insurance at the border?
The cost of Mexican car insurance for tourists can range from about $50 to $80 for liability-only coverage and $150 to $200 for full coverage.
What happens if you take a rental car into Mexico?
U.S. citizens and legal permanent residents with valid visa status can rent cars at the limited Budget locations where border crossings are allowed. Mexican border crossing officials will arrest non-compliant individuals and the car will be impounded.
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.
Available Options for Buying Mexican Car Insurance
Whether you like to have a spontaneous traveling adventure or plan everything in detail, certain aspects of your trip require careful consideration, such as obtaining necessary insurance policies. For a Mexican adventure, in particular, you need to acquire Mexican auto insurance for maximum safety.
Will my car insurance cover me in Mexico?
Many travelers believe that they don’t need Mexican auto insurance because they already have their car insurance. However, it’s crucial that you obtain a seperate insurance policy that will provide you with suitable Mexican coverage. Your regular car insurance is not valid in Mexico.
Do you need Mexican car insurance in Rocky Point?
If you’re traveling no further than Rocky Point, you may wonder whether you need to get auto insurance at all. Although this lovely destination isn’t too far away from the U.S. border, you actually need to obtain Mexican car insurance.
Where to get Mexican car insurance?
Although there are more than a few places where you can get Mexican car insurance, there are some important differences you need to have in mind. For example, insurance rates may vary depending on where you get your auto insurance policy. Nonetheless, it’s still important to know what options are available just in case.
Rely on the best Mexican auto insurance provider and travel safely
When it comes to obtaining Baja Mexican insurance policy, Oscar Padilla Mexican Insurance is an authorized and reputable provider who will provide you with varied coverage options. With our help, you can choose a suitable car insurance policy and travel to Mexico without worrying about legal compliance.
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.
What is the phone number for freeway insurance?
Freeway Insurance offers affordable auto insurance with many great add-ons. Call (800) 777-5620 to speak with an agent and to get a free quote on car insurance.
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.
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.
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".
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 ...
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