Car Insurance for Mexico: Everything You Need to Know

Buying Mexican car insurance is necessary if you’re going to drive in Mexico. Here’s what you need to know before your next trip.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated July 10, 2024

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Whether you fly into Mexico and rent a car or drive across the border in your own car, you need to have the proper car insurance if you want to legally drive in Mexico. Though a standard U.S. car insurance policy typically won’t cover driving in another country, some insurance providers make exceptions for Mexico. 

When you set out on your trip, it’s important to make sure you have the right coverage. But even if you have coverage back home, Mexico requires car insurance through a Mexican insurance provider.[1] 

Do you need car insurance in Mexico? 

Yes, you need car insurance in Mexico. Whether you rent a car or drive your car over the border, you need to secure Mexican insurance or you risk arrest.[1] Americans need car insurance if they want to drive in Mexico.

“The legal minimum requirement is a third-party liability policy,” explains Zach Lazzari, owner of Cross Border Coverage.  “For rental cars, the rental company typically sells the policy or recommends an agent. For private vehicles with U.S.-based registration, Mexican insurance is mandatory and is easy to purchase.”

You also have to have a valid driver’s license to drive in Mexico. Your U.S. driver’s license is valid in Mexico. If you drive a non-rented car, the owner of the vehicle you’re driving in Mexico must be present in the car.[1]

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Where should you buy Mexican car insurance?

When it comes time to buy Mexican car insurance before your road trip, Lazzari explains that you have options. “U.S. car insurance does not cross the border with the vehicle,” he says. “The vehicle owners must purchase a policy issued by a Mexican insurer.”

Some digital agencies make it easy to purchase a policy online before your trip. Insurers like GEICO and Progressive sell insurance for road trips to Mexico. If you don’t buy insurance before you leave, you may be able to buy an insurance policy at a border crossing.

Best Mexican auto insurance companies

While you can buy coverage through a Mexican insurance company, taking care of your coverage closer to home may be easier for you. Some American auto insurance providers offer car insurance that you can use when driving in Mexico through third-party Mexican car insurance companies. Here are the top car insurance companies that offer car insurance for Mexico:

AAA

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830
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AAA logo

AAA

Members can save on premiums and policy fees.

If you’re a AAA member, you can automatically qualify for a discount on one of its Mexico car insurance policies. Members can save up to 15% on their premium and up to 25% on policy fees. You can choose between buying coverage for just the dates of a specific trip to Mexico, or you can buy six-month or annual policies. 

Allstate

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User Reviews
3.2
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8.9/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$138/mo

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros
  • Well-established with superior ratings from A.M. Best

  • Pay-per-mile option available

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

Read more driver reviews of Allstate
Robert - July 7, 2024
Verified

Good

No claims, no tickets, but pricing is rising faster than inflation.

James - July 7, 2024
Verified

Excellent Insurance for the Money

Very good.

Tina - July 7, 2024
Verified

High Monthly Payments

I would recommend looking around to see if you can find a cheaper policy. Mine seems to be quite high.

Through Allstate, it’s possible to buy an auto insurance policy designed to support tourists older than 21 in Mexico. Allstate offers various coverage options, including:

  • Physical damage and theft

  • Bodily injury or property damage you cause to others

  • Medical payments for you and your passengers

  • Legal assistance

  • Loan or lease payoff for a totaled new car

  • Roadside assistance

  • Medical evacuation

You can buy up to $500,000 in coverage for bodily injury or property damage coverage for damage or injuries you cause. This policy can apply to rental cars if you rent the car in the U.S. and drive it into Mexico.

Rental Car Insurance: Do You Need It?

Rental Car Insurance: Do You Need It?

GEICO

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3.1
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9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$122/mo

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Read more driver reviews of GEICO
Ashley - July 7, 2024
Verified

Overpriced and not based on driving record

I would not recommend Geico to anyone and would suggest considering other companies.

Pam - July 7, 2024
Verified

Great Insurance

Excellent.

Peggy - July 7, 2024
Verified

Great Company, Switched Only Due to Cost

They provide excellent service.

GEICO is another American insurance company that partners with third-party insurance providers — like Grupo Nacional Provincial and El Aguila Compania de Seguros — to offer Mexico car insurance. You can buy up to $500,000 in liability insurance that can help protect you on your trip to Mexico. 

GEICO offers a few types of coverage you can choose between, including physical damage, theft, vandalism, and medical payments. You also have the option to customize your deductible and can choose a low deductible amount. To help make driving abroad less stressful, GEICO has a dedicated Mexico insurance team who can help you get the right coverage and file claims. Free roadside service is also available 24 hours a day when you buy this policy.

The General

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User Reviews
2.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$114/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$241/mo

Owned by PGC Holdings Corp., an affiliate of American Family Insurance, The General is an provides auto insurance to high-risk drivers and those with poor driving records. The company also sells homeowners, renters, life, pet, and other types of insurance. Available discounts include bundling, good student, multiple drivers, and more. The General has an A+ rating from the Better Business Bureau, and a slightly higher than expected number of complaints with the National Association of Insurance Commissioner’s Consumer Complaints Index. The company also has an A rating from A.M. Best, indicating it’s financially stable.

Pros
  • Competitively priced options for high-risk drivers or those with violations

  • SR-22 filing available in most states

Cons
  • Not available in all states

  • Mixed reviews for customer service

Read more driver reviews of The General
Angela - July 7, 2024
Verified

Inconsistent Monthly Payments

I am not satisfied with the service I received. I was quoted a different amount within a one-month difference. My policy lapsed for twenty days and it went from the first few months of full coverage at $266 to $393. I don't think that's fair, especially as an existing customer.

Connie - July 6, 2024
Verified

Money Wise

If you're just looking for lower rates, they're doing well.

Rocely - July 3, 2024
Verified

Always there for me

I had a good experience.

The General Insurance partners with ABA Seguros, SA de C.V.; ACE Seguros, S.A. de C.V.; and Grupo Nacional Provincial to offer Mexico car insurance to U.S. drivers. The following coverage is automatically included in your policy:

  • Liability: Up to $300,000

  • Medical payments: Up to $25,000

  • Legal assistance: Up to $25,000

  • Roadside assistance: Coverage levels vary

You also have the option to add physical damage/total theft and partial theft/vandalism coverage to select policies.

Liberty Mutual

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User Reviews
2.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$112/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$231/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read more driver reviews of Liberty Mutual
Albert - July 7, 2024
Verified

Better Rates Elsewhere

They failed to follow through on what I was told.

Marvin - July 7, 2024
Verified

Good and Pricey

They are easy to work with and their online platform is user-friendly.

Zeketa - July 6, 2024
Verified

Good Company

They handle claims quickly, provide good customer service, and offer competitive pricing, especially if you bundle.

Liberty Mutual offers customizable packages for Mexico car insurance, including coverage for RVs, SUVs, motorcycles, and more. Liberty Mutual partners with MexPro to make sure you get the coverage you need to drive legally in Mexico during your upcoming trip. 

Progressive

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JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$77/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$134/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Read more driver reviews of Progressive
Susan - July 7, 2024
Verified

Too expensive

I believe they charge way too much considering my excellent driving record, minimal daily mileage, zero accidents, and senior citizen status.

Rose - July 7, 2024
Verified

Unsatisfied with Progressive

I had Progressive and they kept raising my rates, even though I had no claims, no tickets, and was a gold status member for 3 years.

Debra - July 7, 2024
Verified

Great for the past ten years but no forgiveness for minor accident

Everything was great until I had a minor accident.

Progressive offers three types of Mexico car insurance policies:

  • Basic: This level of coverage comes with liability, travel assistance, legal assistance, and medical payments insurance.

  • Standard: This mid-tier Progressive Mexico car insurance includes collision and theft coverage in addition to the basic coverage. 

  • Extended coverage: On top of the coverage that comes with basic and standard coverage, you gain access to coverage for vandalism, partial theft, United States repair, and fixed deductibles.

As a bonus, all forms of MexPro coverage through Progressive come with roadside assistance, which can help give you some extra peace of mind when on the road in Mexico.

How much Mexican car insurance coverage should you get? 

When getting ready to drive in Mexico, you’ll want to make sure you buy a Mexican liability policy.[2] How much liability insurance you need when driving in Mexico may be different than how much vehicle insurance coverage you need in the United States. Different states in Mexico have varying liability insurance requirements, but it’s generally advisable to secure $300,000 to $500,000 worth of insurance. 

Do some research on liability coverage requirements in the areas you’ll drive in to make sure you have enough coverage. It may be wise to buy higher policy limits if you’re unsure about the exact amount of coverage you need.  

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Rental car insurance coverage in Mexico

Renting a car in Mexico follows the same general process as renting a car in the United States. Lazzari says that some popular car rental agencies that operate in Mexico include ABA Seguros, El Aguila, GNP Seguros, and Qualitas.

You still must have a form of valid liability insurance when driving a rental car in Mexico. Most rental agencies provide policy options when you’re renting a car. While you must purchase liability insurance for a rental car, it may be a good idea to purchase optional coverages that help pay off any damages to the rental car itself, according to Lazzari. 

Some credit card companies offer a form of insurance coverage for rental cars, though the company may not have everything you need. When driving internationally, this type of insurance is better for covering any gaps the policy you purchased has, as it usually only kicks in after you exhaust your primary coverage.[3] 

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Other things to consider while driving in Mexico 

Here are some tips to keep in mind while driving in Mexico:

  • Have a valid U.S. driver’s license. Don’t forget to pack your driver’s license. You’ll need a valid U.S. license in order to drive in Mexico. 

  • Research driving routes. Learn which routes are safe to take and which you should avoid. Poorly maintained, unsigned, and hazardous roads can put you in danger and potentially lead to a claim.

  • Know how to contact roadside assistance. Accidents can happen wherever you are. Make sure you know how to access roadside assistance in Mexico before you get behind the wheel. It’s also a good idea to have a list of local emergency phone numbers written down.

  • Have the right supplies. Pack a map and spare tire, and don’t forget to keep an eye on the gas tank so you never run out.[1]

Mexico car insurance FAQs

To help you prepare for your trip to Mexico, here are answers to some frequently asked questions about Mexico car insurance.

  • Does your U.S. insurance cover your car in Mexico?

    Your American insurance policy won’t satisfy insurance requirements in Mexico. You can ask your American insurance company if it works with any third-party Mexican insurance providers, and if you can purchase a special policy that covers you in Mexico, or if you should purchase a short-term policy from a Mexican agency.[1] 

  • What insurance do you need to drive your car in Mexico?

    You need a Mexican liability insurance policy from a licensed Mexican car insurance company to drive in Mexico. Your U.S. policy alone won’t cover you in the event of an accident in Mexico. You need to confirm you have the right type and amount of car insurance coverage before driving in Mexico.[1]

  • How much is car insurance to go to Mexico?

    How much car insurance for Mexico depends on the type of coverage you want, how much liability protection you choose, and how long your visit is, among other factors. You can shop around to find the right car insurance policy to meet your needs and your budget when traveling to Mexico.

Sources

  1. U.S. Department of State — Bureau of Consular Affairs. "Mexico."
  2. Texas Department of Insurance. "Automobile insurance guide."
  3. III. "Rental car insurance."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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