Mexico road rules and car insurance requirements

Driving in Mexico can feel familiar for U.S. tourists, but the legal framework and road rules are not the same. From speed limits to mandatory insurance, understanding these differences is critical for staying safe and avoiding penalties. Here’s a clear guide to Mexico’s road rules and car insurance requirements for American drivers.

• Speed limits are posted in kilometers per hour (km/h), not miles.

• Seat belts are required for all passengers.

• Cell phone use is prohibited without a hands-free device.

• Alcohol limits are stricter—authorities conduct random checks.

• Traffic signs are in Spanish, so familiarize yourself with common terms (e.g., “Alto” = Stop).

• Right turns on red are not always permitted—check signage before proceeding.

• Some intersections lack clear signals; defensive driving is essential.

• Pedestrians have the right of way, but drivers may not always yield—be extra cautious.

• Speed bumps (“topes”) are common and often unmarked, especially in towns.

• Mexican law requires all drivers to carry liability insurance issued by a Mexican company.

• U.S. insurance policies are not recognized in Mexico.

• Liability-only coverage meets the minimum legal requirement, but it does not cover your own car.

• Full coverage policies include theft, collision, medical, and roadside assistance—recommended for long trips.

• In the event of an accident, police may detain uninsured drivers until damages are paid.

• Fines and impoundment are common if you can’t provide proof of insurance.

• Having valid insurance provides both financial and legal protection.

• Always carry your passport, driver’s license, vehicle registration, and insurance policy.

• Respect speed limits—radar enforcement is common.

• Choose toll roads (“cuotas”) whenever possible for safer travel.

• Keep a digital and printed copy of your insurance handy for checkpoints.

U.S. tourists driving in Mexico must adjust to different road rules and comply with strict insurance requirements. By understanding the laws and carrying proper coverage, you’ll not only stay safe but also avoid legal troubles. The road ahead is smoother when you’re informed and fully protected.