Car Insurance In Mexico
With COVID-19 changing travel plans for millions of people, driving to Mexico has become an attractive option, especially for states along the U.S. – Mexico border. As with any trip to a foreign country, it’s best to do some research ahead of time to make sure you’re not breaking any laws without even knowing it.
One area to look into is car insurance in Mexico. While your United States driver’s license is good in Mexico, your auto insurance policy is most likely not. The last thing you want is to be on the hook for damages and repairs after your vacation, so some upfront work on your auto insurance coverage is a good investment.
Before you go, follow this guide about Mexican auto insurance, how to get it, and what it covers.
What is Mexico Auto Insurance?
Essentially, Mexican auto insurance is a special policy that covers you while driving in Mexico. It is not part of your regular, domestic policy. There are several companies that offer Mexican policies, including the major U.S. carriers such as Allstate and Progressive.
While you can stop at the border and purchase Mexican auto insurance, it’s better to set it up before you even leave home, so you have no surprises on the road.
What is Covered By Mexico Auto Insurance?
There are varying levels of coverage based on many factors and each company has its own offerings. Here is a broad overview of the types of coverage you can obtain for your driving trip to Mexico.
Basic Coverage
Basic coverage is probably a good option for short trips, such as a day trip. You’ll get liability coverage, medical payments, and some companies also offer travel and legal assistance should you have an accident while in Mexico. Basic coverage is also a good option if you are driving an older car.
Standard Coverage
Standard coverage adds more protection, such as collision and theft coverage. If you are traveling for a weekend trip, this type of coverage might be a good choice. Also, if you are driving a newer vehicle, you’ll want more protection.
Extended Coverage
If you are spending significant time in Mexico, you’ll want to go for an extended coverage policy. You’ll have protection from vandalism and be able to take advantage of fixed deductibles. Some extended coverage policies also cover repair costs in the United States, rather than in Mexico.
Are you Eligible for a Mexico Car Insurance Policy?
The only restrictions on obtaining a policy are:
- You must have a valid U.S. driver’s license
- You must be at least 21 years old
What Information Do You Need to Buy a Mexico Car Insurance Policy?
To obtain an accurate quote for a Mexico policy you’ll need some basic information about your car and your trip. This can include:
Your travel dates and where you will be
- The year, make and model of your car
- Your vehicle identification number
- Your license plate number
- Your U.S. auto insurance policy number
When you purchase a policy, you will receive policy documents just as you would for a domestic policy. Be sure to have these documents available with you on your trip.
And, if you are looking to save money on your domestic car insurance policy, you can use the InsuranceWins form to compare rates and find the right policy for your domestic needs right away.
