Car Insurance Requirements in Mexico

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Here's what you need to know...
  • Mexican car insurance laws are different than U.S. insurance laws
  • Mexican car insurance laws do not recognize American car insurance
  • If you plan to drive in Mexico, you must buy specific Mexican insurance

Mexican car insurance laws are much different than they are here in the U.S.

It’s not uncommon for American drivers to take a trip into Mexico completely unaware of the laws surrounding car insurance, resulting in difficult circumstances in the case of a car accident.

More than one American driver has found himself in difficult legal and financial positions because he wasn’t carrying valid Mexican car insurance in that country.

If you’re planning to drive to Mexico in the future, don’t make that mistake.

Finding affordable car insurance online doesn’t have to be difficult; just enter your ZIP code below to get started.

Does Mexican law recognize American car insurance?


Mexican law does not recognize American car insurance. Not only that, but the Mexican government strictly controls all vehicles entering into their country across the U.S. border.

For example, they have created a limited “border zone” extending for 20 to 30 km beyond the border where U.S. drivers can freely move about as tourists.

Beyond that border zone, drivers are required to obtain an import permit in order to drive their vehicles.

Since Mexican law doesn’t recognize American car insurance, you must purchase additional insurance from a company that is licensed to sell Mexican insurance.

Suffice it to say, without legally recognized car insurance in Mexico, you are taking a huge risk by driving your car in that country.

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What if I’m found driving in Mexico without valid insurance?

The Mexican government takes car insurance issues very seriously. If you are pulled over by a police officer for any type of violation, and it’s discovered you do not have valid insurance, you could be headed for jail time and stiff fines.

Jail time is rare, due to diplomatic relations between the U.S. and Mexico, but financial penalties can be extreme. Furthermore, understand that Mexican law considers all traffic accidents to be a matter of both criminal and civil offense.

Without valid insurance, you will inevitably be taken to criminal court if you’re involved in a violation or accident in that country.

Being found guilty could mean punishments including:

  • jail time
  • fines
  • bans from future travel in Mexico

Where do I buy valid Mexican insurance?


There are only a small handful of major U.S. car insurance carriers licensed to provide valid Mexican insurance.

The first place to start is to check with your provider specifically. Your second option is to contact a specialist travel insurance company that deals in Mexican travel.

You can find these companies through an Internet search in most cases. Your primary car insurance company may even be able to refer you to a partner company of this nature.

The third option is to purchase Mexican car insurance at the border before you cross into the country. By setting up shop right on the border, these companies make huge amounts of money on last-minute insurance deals.

Should you find yourself in a position that requires your purchase of Mexican car insurance at the border, be extremely careful.

Take a few extra minutes to have a salesperson explain the policy to you in its entirety. Also, make sure you have the documents printed in both English and Spanish.

The Spanish documents will be required by police officers should you have an accident; you’ll need the English documents so you can read your policy for yourself.

Even if you’re not planning to drive in Mexico, you still deserve affordable car insurance rates. Find them by entering your ZIP code below right now.

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