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Mexico Auto Insurance

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Do I Need Mexico Auto Insurance?

If you will be driving an Auto in Mexico with foreign license plates, you need to know that the vehicle insurance coverage you rely on a daily basis at home does not protect you once you cross the international border. As the US State Department advises on its web site:

U.S. automobile liability insurance is not valid in Mexico, nor is most collision and comprehensive coverage issued by U.S. companies. Motor vehicle insurance is considered invalid in Mexico if the driver is found to be under the influence of alcohol or drugs.

Some US and Canadian auto insurance policies may state that they extend collision coverage for your vehicle on infrequent, short distance trips into Mexico, as on trips under 25 miles from the border. But in the event of injury to others or damage to another person’s property, please know that Mexican authorities do not recognize auto insurance policies from companies located outside Mexico. Therefore, you must purchase temporary Mexican auto insurance.

Mexico requires Mexican vehicle liability insurance from a Mexico-domiciled insurance provider.

Novamar Insurance Mexico can provide Mexican liability insurance for your auto, van, RV, truck or motorcycle registered outside Mexico. Except for motorhomes or RVs, our policies give you more than liability coverage!

Mexico Auto Insurance Tourist Policy Features

Policy features for personal-use vehicles registered outside Mexico, while traveling in Mexico:
Note: for motorhomes and RV’s, only liability coverage is available

  • Collision and upset/material damage
  • Total loss
  • Third party liability
  • Medical coverage per passenger
  • Legal assistance
  • Roadside assistance
  • Theft

When you obtain your quote or your policy for vehicle liability coverage, you may be asked to supply the value of your vehicle. In advance of getting your quote, it may be handy for you to get an estimate of its value online. Please refer to NADAguides.com for your official estimate of value. Another piece of information you will need may require a trip out to check your vehicle. You will need your vehicle identification number (VIN). The easiest place to find this information is on the vehicle itself, but it can also be found on your vehicle’s registration document. You will not regret later a few minutes spent now checking that the number on your registration matches the number on the vehicle.

Limitations and Restrictions

Our Mexican auto insurance for tourists is available throughout Mexico, subject to these limitations:

  • Only for Canadian or US registered personal-use vehicles
  • Coverage is valid only for citizens or residents of Canada or USA
  • Driver must have a valid driver’s license
  • Coverage effective only within Mexico

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