Does My Car Insurance Cover Me When Driving to Mexico?

Many U.S. drivers assume their auto insurance policy extends into Mexico—but that’s not the case. Mexican law requires liability coverage issued by a Mexican insurance company, meaning your U.S. policy won’t protect you south of the border. Here’s what you need to know about insurance coverage when driving into Mexico.

• Mexican authorities only recognize liability insurance from licensed Mexican insurers.

• Even if your U.S. insurer claims “limited Mexico coverage,” it typically only applies within a few miles of the border and doesn’t meet legal standards.

• Without proper coverage, you risk fines, detention, and full financial responsibility in case of an accident.

• Liability Insurance – Legally required for all drivers, covers damages to third parties.

• Full Coverage Insurance – Includes liability plus collision, theft, medical, and roadside assistance. Highly recommended for U.S. tourists.

• Short-Term Policies – Ideal for weekend trips or vacations.

• Long-Term Policies – Best for snowbirds or extended stays.

• Compare multiple providers for the best price.

• Get digital proof of coverage instantly.

• Faster border crossing—no need to stop at insurance kiosks.

• Peace of mind knowing you’re legally covered from the moment you cross.

• Police may detain you until damages are paid.

• Your car can be impounded after an accident.

• You’ll have no access to legal aid or roadside assistance.

• Serious financial risk: even minor accidents can be costly.

• Always purchase Mexican car insurance before your trip.

• Carry both printed and digital copies of your policy.

• Verify that roadside assistance and legal support are included.

• Know your coverage limits and deductibles.

Your U.S. car insurance won’t cover you in Mexico—but securing a Mexican insurance policy is quick, affordable, and essential.

Whether it’s a short trip to Baja California or a longer adventure inland, the right coverage ensures you stay safe, legal, and worry-free on the road.