Mexico
Auto Insurance

Mexican law requires that you have auto liability insurance when driving in the United Mexican States. This applies to all types of vehicles, motorcycles, recreational vehicles, and private passenger cars. Additionally, your liability insurance MUST be provided by an authorized Mexican insurance company. This means your US or Canadian auto insurance will not meet the legal requirements.

Therefore, before crossing the border, you must have proper Mexican Tourist Auto Insurance. If you’re planning a drive into Mexico, you can quote and buy quality Mexcian auto insurance online with MexicoCovered.com.

Pricing for Mexico Tourist auto insurance is far less sophisticated than your US or Canadian auto insurance policy. The prices are determined by a few elements,  like the value of your car, the amount of coverage you want to purchase, the deductibles you select, and the number of days you intend to stay. Want a detailed breakdown, read our post: The Cost of Mexico Auto Insurance.

MexicoCovered.com provides you access to several authorized Mexican auto insurance carriers online, you can compare rates for +A-rated Mexico auto insurance and select the price and coverage that is right for you and your trip. Get a quote online in minutes, and you can have your policy today.

Getting a quote for Mexico auto insurance is easy. There are only a few things you’ll need to get a quote, and a few more if you decide to buy. Remember, all this can be done online with MexicoCovered.com.

Below is a list of the most common things you’ll need to get a Mexico auto insurance quote online or with an insurance agent:

• The days you’ll be in Mexico: The days of your travel will be your policy term. The effective date will be the day you enter Mexico, and you’re expiration date will be the day you re-enter the U.S.) Note: If you’ll be traveling for more than 40 days or maybe you’ll be making frequent trips to Mexico, an annual policy may be more economical.
• Vehicle Type: For most Mexico tourist auto insurance policies, you can insure the following vehicle types: Cars, Sedans, Van or Minivan, Pick Up Truck, SUV, RVs or Recreational vehicles, and street-legal motorcycles.
• Vehicle Value: Auto insurance policies are written on the basis of your vehicle’s actual cash value (ACV). If you are unsure of the current value of your car, you can use KBB.com or Edmonds.com to get the most up-to-date valuation of your vehicle.
• Towed Units: If you intend to bring a trailer with motorcycles, ATVs, or a boat, you’ll need to add them to the quote to get the most accurate premium.

If you want to purchase:

• Phone number and email address: This will allow the carrier to set up an account for you and deliver your required policy documents prior to your travel.
• The full name of the vehicle owner: This will be the person who is buying the policy and will appear on the policy documents as the primary insured. This will be required even if this isn’t the person who will be driving the vehicle in Mexico.
• Names of additional drivers: While it is not always required by Mexican law to list all the drivers, it is the best practice to have them listed on your policy to avoid any uncertainty.
• Names & addresses of lienholders: Just like your US or Canadian policy, if you have a lienholder or lessor, you will need to have them added to the policy in the event that they have to make a claim on the policy in your absence. 

When you quote & buy Mexico auto insurance, you’ll notice that all premiums and values are expressed in US dollars. This is common for Mexico tourist auto insurance purchased with MexicoCovered.com or through your local insurance agent.

As a side note, if you have a claim and will receive a payment from the insurance company, you can request those payments be made using US dollars or Mexican Pesos, whichever is easiest to get your claim resolved.

Your Mexico auto insurance may not require you to list all possible drivers of a vehicle. However, many insurance companies have an underwriting rule about drivers who are 21 years old or younger. These types of drivers may impact premiums. Therefore, you should always disclose them at the time of quote & purchase. If you need to add a youthful driver while in Mexico, please contact us first.

While you may not need to disclose all drivers on your Mexico Tourism auto insurance policy, you should be aware of who can legally drive a foreign vehicle on Mexican territory. Here are things to consider before you allow someone to drive your car in Mexico:

• Mexican citizens cannot legally drive a vehicle registered in the US, Canada, or any other foreign country. Make sure you’re familiar with the rules provided by Banjercito or on your Temporary Importation Permit and the local Mexican laws before you allow someone to drive your car.
• Anyone driving a car in Mexico must have a  valid driver’s license and it must be with them while they are driving. In fact, this may be a requirement of your Mexican auto insurance policy.

After making the payment of your Mexico Car Insurance with a credit or debit card, the user will immediately view, save, print or send the insurance policy for Mexico.

When you purchase your policy online with MexicoCovered.com, after you have made the premium payment you will be sent an email with a confirmation of purchase. In this email, your policy documents will be attached as a PDF file.