Mexico Insurance

Driving to Mexico? Here’s What You Need to Know About Mexico Auto Insurance

Planning a trip to Mexico from Arizona? Before you cross the border, make sure you have the right insurance coverage. U.S. auto insurance policies usually don’t cover you while driving in Mexico. Here’s what you need to know:

Does My U.S. Auto Insurance Cover Me in Mexico?

No, most U.S. auto insurance policies—including those from Arizona—do not provide full coverage in Mexico. Mexican law requires drivers to carry liability insurance from a licensed Mexican insurance company.

What Does a Mexico Auto Insurance Policy Cover?

A typical Mexico car insurance policy may include:

• Liability coverage (required by law)

• Collision and theft protection

• Legal assistance

• Medical payments

Your level of protection depends on the plan you choose, so it’s best to review your options before purchasing.

Can I Add Mexico Coverage to My Arizona Auto Policy?

Some Arizona insurers may offer limited endorsements for short trips into Mexico. However, these are often restricted to a few miles past the border and may not meet Mexican legal standards. For full protection, we recommend purchasing a separate Mexico insurance policy.

Is Mexico Auto Insurance Required by Law?

Yes. Mexico does not recognize U.S. insurance policies. You must carry valid Mexican liability insurance to drive legally. Without it, you risk:

• Fines

• Vehicle impoundment

• Possible jail time if you’re involved in an accident

How Long Can I Buy Mexico Insurance For?

Mexico auto insurance policies are flexible. You can purchase coverage for:

• A single day

• A weekend trip

• Or up to 12 months, if you frequently travel to Mexico

Choose the duration that fits your travel plans best.

How Do I File a Claim in Mexico?

If you’re in an accident, it’s important to call the claims number listed on your Mexico policy immediately while still in Mexico. Local adjusters will guide you through the next steps and help file the claim correctly.

Helpful Resources:

• U.S. Department of State – Driving in Mexico

• Requirements of insurance in Mexico