Mexican authorities require liability coverage issued by a Mexican Insurance Company. So, U.S. and Canadian insurance does not cover your liability while driving in Mexico. In fact, most domestic auto insurance provides only limited physical damage coverage when you drive into Mexico, so your current insurance likely won’t provide 1st party coverage when you’re driving in Mexico.
Many US insurance companies in the Border States with Mexico extend coverage into Mexico for a certain number of miles from the border. Be aware that this coverage is restricted to the number of times you cross into Mexico, and only covers damages to your vehicle not third party liability. So YES, even if you have an endorsement for extended coverage to Mexico, you should buy third party liability, the minimum coverage required by authorities in case of an accident. It is important that you purchase your Mexican insurance prior to entering Mexico.
Purchasing Mexico auto insurance is very easy with Sanborn’s. You can select this link to go directly to our quote page. Simply choose an agent and you will be on your way to driving in Mexico. You can also reach us at 1-877-334-7646 (9:00 a.m. – 5:00 p.m. PT) and have one of our friendly customer service representatives give you a quote and connect you with one of our agents to purchase over the telephone.
Whether you are requesting a quote online or by phone, 1-877-334-7646 (9:00 a.m. – 5:00 p.m. PT), you should have the following items handy to make the quoting process easier, the number of days you plan to stay in Mexico, year, make and model of your vehicle as well as its value. (Not sure about the value, check NADA.com)
To purchase your Mexico auto insurance policy online or by phone, 1-877-334-7646 (9:00 a.m. – 5:00 p.m. PT), you will need to have the following items available to purchase your policy: a valid drivers license number, vehicle title or registration which includes the vehicle license plate number and vin number, current domestic insurance carrier and policy #.
For insurance purposes, your vehicle will be covered as specified on your policy as long as it is driven by someone with a valid driver license. The insurance coverage is valid as specified on your policy regardless of whether that person has a U.S. or Mexico driver license. However, Mexican law prohibits the use of any U.S./Canadian plated vehicle by a Mexican resident. If your vehicle is involved in an accident or pulled over by police while being driven by a Mexican resident, the vehicle can be impounded. Your insurance does not cover any costs involved in recovering your vehicle should this happen.
Call today and speak with a professional insurance agent.
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IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.