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Mexico Auto Insurance FAQs


Answers to frequently asked Mexico insurance questions

You want to drive into Mexico but you have questions. We have answered some of of the most frquently asked questions – our Mexico auto insurance FAQs if you will. Below are some of the questions we get from our loyal Mexico auto insurance customers.

These answers range from the general, coverage, quote & purchase, claims and policy related questions. Most of the answers are generic for the average insurance company, but we try to get specific where we can.

General Questions

Do I need Mexico auto insurance?
Yes, when you are driving in Mexico, you are legally required to have Mexico liability insurance coverage, and it must be provided by a Mexico company.
Does my US auto insurance cover me in Mexico?
Liability coverage from a Mexico insurer is required to drive in Mexico, and therefore your US car insurance policy cannot meet the legal requirement. Your US car insurance policy may provide comprehensive or collision coverage insurance in Mexico, typically to a certaim miles beyond the boarder. You will need to contact your insruance agent to confirm your coverage.
Do I need current US auto insurance to buy Mexico coverage?

You must have a valid registration for Mexpro coverage to apply while in Mexico. Please be aware of your state insurance requirements.

If you are traveling in Mexico for more than 180 days and choose to drop your U.S. or Canadian policy in lieu of Mexico coverage, the state/province where your vehicle is registered may cancel your registration due to lack of insurance. This too, will void your Mexico insurance policy.

Do I have to buy Mexico coverage in Mexico?

No. In fact it’s better to purchase coverage before you get there, otherwise you will not be insured until you get your policy in Mexico. In addition, your policy may not be written in English; and you may not have access to bilingual claims adjusters.

Can I trust my Mexican insurance company?

The Mexico insurance companies we and our partners work with are all A-rated by A.M. Best Company. Many are actually international insurance carriers with familiar names and products sold domestically, like CHUBB, Mapfre, or AIG. Frequently, they have many years of experience in Mexico auto insurance, and recieve high claims satisfaction rates.

Can other people drive my car when in Mexico?

Yes, as long as the registered owner is listed as the named insured and the driver has a valid non-Mexican driver’s license. It is a good idea for the person driving to have written permission to drive the vehicle.

Your Mexico auto insurance policy will NOT cover any driver with a Mexican driver’s license.

What if the driver doesn’t have a license?

A person driving a vehicle without a valid driver’s license is not covered under most Mexican auto insurance policies.

If you have a valid driver’s license, and you simply forget to take it with you to Mexico, you are still covered. However, it will likely create difficulties with the Mexican authorities if you’re pulled over or involved in an accident. Don’t forgot to enter Mexico without your driver’s license if you intend to drive in Mexico.

Can I insured a rental car in Mexico?

Most Mexico auto insruance policies will insure rental cars if they are rented and licensed in the US. Morever, if you rent a car in the US, you will need permission from the rental company to take the vehicle into Mexico. NOTE: most insurers will not insure rental cars with a Mexico License plate.

Can I get Mexico car insurance on a lease?

Yes. However, you will need a permission letter from the lessor to drive the car into Mexico. And they may require you to get a full coverage policy. Be sure to list the lessor name and information on the policy application.

Coverage Questions

What’s the difference between liability and physical damage?

Liability insurance provides coverage for damage to another person’s property or injuries you may cause resulting from an accident that is your fault. It is required to have liability insurance when driving in Mexico. 

Physical damage includes your collision and comprehensive coverages. These coverages provide protection for your car, from things like theft, vandalism, falling objects or collisions with other cars are objects. Sometimes the combination of these two are called “full coverage.”

Learn more about Mexico auto insurance coverage.

If I only have liability coverage on my US policy, can I get physical damage coverage in Mexico?

With some Mexico auto insurance polices, if you only have liability coverage on your US policy you cannot purchase physical damage on your Mexico insurance policy. Some companies may make an exception if the vehicle will be in Mexico for more than a certina number of days (eg. 180 days).

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Quoting & Buying Questions

How do I get a quote?

You can get an online quote in just seconds. In fact, if you like your quote you can even purchase online in minutes. If you can also call an insurance agent who sells Mexico auto insurance.  If you would like to speak with one of our insurance agents, you can call (877) 334-7646 and we’ll be happy to assist.

How do I buy Mexico auto insurance?

You can quote & buy online in just minutes. If buying online, you simply complete the initial quote, if you want to proceed to purchase, simply select your coverage and insurance company and proceed to purchase. At this point you will complete the online application and will need the following information:

  • Vehicle ID number (VIN)
  • License plate number
  • US insurance information
  • Lien holder information, if applicable

If you prefer to speak with an insurance agent, you can get a quote and purchase with the same information. If you would like to speak with one of our insurance agents, call us at (877) 334-7646.

What does “CSL” limit mean?

When you see ‘CSL’ it stands for combined single limit, it is the liability limit, or the most that can be paid out for liability claims, on the policy you are purchasing for Mexico. It combines both bodily injury and property damage liability. This is different from the more common split limit liability purchased in the US. It is recommended that you purchase a CSL of $300,000 or more, due to Mexico’s current liability laws. Most quotes begin at $300,000 and can be increased to $1,000,000 with some insurance companies.

Claims Questions

How do I file a claim?

If you have an accident in Mexico, immediately call the toll free number listed on policy documents. Your adjuster will respond immediately and provide further instructions based on your specific situation. You must file your claim while you are in Mexico.

What if I have an accident or get pulled over in Mexico?

Be sure you have a copy of your policy, declaration pages and claims information. These documents were likely emailed to you after you purchased your policy. Keep these documents in your vehicle at all times. In the event you get pulled over for a traffic violation or have an accident in Mexico you will need to present your proof of insurance.

If you have an accident, you will need to contact the insurance company at the phone number(s) provided on your policy documents.

Policy Questions

What if I forget to add a driver to the policy?
Anyone is covered as a driver of your insured vehicle, as long as they have a valid, non-Mexican driver’s license, are over the age of 21 (unless you have paid for this surcharge) and have the registered owners permission to operate. On our quote application, you can list up to three people as additional drivers for peace of mind. However, if someone drives who is not listed, they are still covered under this policy as long as they meet the above conditions.

Get a Mexico Insurance Quote

Got answers to the Mexico auto insurance FAQs, now get a quote and buy online in minutes. It’s easy, safe and secure.

Call 1-877-334-7646 to speak with an insurance agent.

Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646

IronPoint Insurance Services, LLC is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California, Colorado, Nevada 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 through ComparisonQuote.com to provide consumers several options for their insurance products. We offer auto insurance through Travelers Insurance Companies, Nationwide Insurance, Safeco Insurance, MetLife Auto & Home, and Progressive. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent tries to charge you broker or agency service fees for representing these companies, please contact us immediately.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company, or Independence American Insurance Company, a Delaware insurance company headquartered at 485 Madison Ave. 14th Fl. New York, NY 10022.

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