Can I drive in Mexico with US insurance?
Asked by: Anya Sauer | Last update: November 29, 2025Score: 4.2/5 (54 votes)
Does my US insurance cover my car in Mexico?
No, U.S. auto insurance policies aren't valid in Mexico. If you'll be driving in Mexico, 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.
Is American insurance accepted in Mexico?
When moving to Mexico, you do not have to leave your U.S. medical insurance behind. Many insurance providers offer international coverage or have partnerships with healthcare facilities in Mexico, ensuring that you can continue using your existing insurance while enjoying the benefits of living in Mexico.
Do you need special car insurance to drive into Mexico?
Your U.S. auto insurance won't cover you after crossing the border of Mexico. You'll need a special Mexican auto insurance policy to legally drive in Mexico, which can be acquired through an insurance provider.
Does my US car insurance cover me in another country?
Most U.S. auto insurers won't cover you while driving abroad, except for driving in Canada and driving in Mexico. Unless you have a credit card offering rental car insurance, you'll probably need to purchase your insurance from the rental company. Learn more about international car insurance and rental car insurance.
How DANGEROUS is entering MEXICO by CAR??
Does Geico cover you in Mexico?
Mexican law requires that you purchase a Mexican auto tourist policy to legally drive in the country. You're in luck! The GEICO Insurance Agency can help you get affordable insurance in Mexico. So, whether you need a policy for a few days, 6 months, or a year, you can get the coverage you need.
Can I use my insurance outside USA?
Before you go, consider your insurance options.
U.S. Medicare and Medicaid do not cover medical costs overseas. Private U.S. insurance policies also might not cover any or all expenses. Check with your insurance before traveling to see if it provides coverage overseas.
How much is Mexican car insurance for tourists?
How Much is Mexican Car Insurance Per Day? The costs average between $2 and $40 a day. The cost depend on several factors including type of vehicle, length of stay and the type of coverage you choose. You can purchase a policy for a day, a month, or a year.
What do I need to legally drive in Mexico?
To drive into Mexico from the U.S., you're required to bring the appropriate identification, a couple permits (depending on how far into Mexico you're going), and your proof of Mexico auto insurance. If your car is financed, you'll also need a letter of permission from your lender.
What insurance is required in Mexico for car rental?
Third Party Liability
This is what is required by Mexican law and must be provided by a Mexican insurance company. We offer up to $500,000 CSL (combined single limit) liability. It covers you in the event that you are at fault in an accident while operating the rental vehicle.
What happens if you get in 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.
What happens if I have a medical emergency in Mexico?
Call 911 for emergency services, which operate across the country. Request an ambulance, or if safe, head directly to the nearest hospital. Most cities have private hospitals with high-quality care, but you will need to pay upfront if you don't have insurance.
Do you need travel insurance to Mexico?
Due to the different safety issues and illnesses that can arise, we recommend purchasing insurance when traveling to Mexico.
What happens if my car gets stolen in Mexico?
What should I do if my car is stolen in Mexico? If your car is stolen in Mexico, contact the local Mexican authorities and make a police report. Obtain an original, certified Mexican police report from the police agency. Upon return to the U.S. contact the California Highway Patrol.
Why is Mexican car insurance so expensive?
Destination and Travel Frequency
Where you plan to drive within Mexico and how often also affect insurance costs. Some regions might have higher premiums due to traffic conditions or crime rates. Higher-Risk Areas: Insurance might be more expensive if you're traveling to areas with higher theft or accident rates.
How many miles into Mexico does my insurance cover?
Typical conditions of limited Mexico coverage are: Applies to accidents within certain miles of the border (typically between 20-50 miles) Applies to collision coverage, not liability. Duration of the trip usually must be restricted to a certain number of days.
Do I need special insurance to drive in Mexico?
Mexican law requires that any vehicle operating on federal roads carries third-party liability insurance to provide coverage for damage caused in an at-fault accident. As stated earlier in this page, your US insurance policy will not cover your vehicle while driving in Mexico.
Does Mexico recognize US driver's licenses?
When visiting another country as a U.S. citizen: Your state driver's license is valid while driving in Canada and Mexico. In other countries, you may need to get an IDP for foreign drivers.
Can I get back into the US from Mexico without a passport?
All U.S. citizens need U.S. passport books if re-entering by air. Land and sea border crossings accept additional travel documents, such as U.S. Passport cards and Trusted Traveler cards. Child travelers have additional options - see the Traveling with Children section.
Does US car insurance cover Mexico?
You'll need Mexican liability car insurance to legally drive in Mexico. A U.S. auto insurance policy won't cover you in Mexico, and you could be jailed if you are in an accident while driving uninsured there. You can buy a short-term Mexican auto insurance policy to make sure you're covered during a brief visit.
Does my AAA insurance cover me in Mexico?
Since U.S. liability insurance is invalid in Mexico, you'll need proof of Mexico auto insurance for a road trip south of the border. AAA can help you get what's required through one of Mexico's largest and most reputable insurance companies.
Does Geico car insurance cover in Mexico?
Like Allstate, GEICO requires its customers to purchase a Mexico Tourist Auto Policy. This coverage includes standard and extended options: Physical damage. Liability coverage.
What happens if you have a medical emergency in a foreign country?
Health Care Resources for Travelers
The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).
Does my car insurance cover international travel?
Typically, your personal car insurance policy will not cover you abroad. But your insurer will likely protect you when you drive into Canada.
Do I need travel insurance if I have health insurance?
Even if your health plan does cover you internationally, you may want to consider buying a special medical travel policy. Much of the additional coverage available is supplemental (or "secondary"), so it covers whatever expenses your health plan doesn't, such as deductibles.