Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • When you are traveling abroad and driving a vehicle in another country, you should understand how your car insurance will work
  • A car insurance policy that you’ve purchased in the United States will often be invalid in Mexico
  • You will have to find and purchase international car insurance, usually from a Mexican car insurance provider
  • If you already carry car insurance, your current provider may be able to help you locate a provider that sells coverage for Mexico
  • Make sure to speak to your insurance carrier about your policy and any concerns you have before you take your trip

Taking a trip to visit Mexico can be an exciting experience, one that normally requires a lot of planning.

During your planning phase, making sure that you have the proper car insurance is something you should make sure to take into consideration.

Even if you have car insurance in the US, you will normally discover that your coverage will not protect you in Mexico. Buying a temporary car insurance policy for your time in Mexico may be your best option.

Compare your options by entering your zip code into our free car insurance comparison tool.

Purchasing Temporary Car Insurance to Visit Mexico

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When you drive a vehicle into Mexico, there are some coverage options that you will want to have regardless of who owns the vehicle.

Liability insurance coverage is one of the more basic coverage options that policies provide, and it is a requirement under Mexican insurance regulations.

This coverage helps protect you from damages you are responsible for causing which can protect you from lawsuits.

Your temporary car insurance may include additional coverage options while you are in Mexico, such as the following:

  • medical expense coverage
  • towing expense coverage
  • legal assistance coverage

Just like with policies in the United States, you can purchase higher limits of liability if you are concerned about your time in Mexico.

You can add physical damage coverage for your vehicle as well with comprehensive and collision coverage.

Before traveling to Mexico, you will want to make sure you purchase an insurance policy from a licensed provider authorized to write coverage in Mexico.

Getting insurance can be accomplished online in many cases, but you may also speak to your current provider about what steps you should take, and you may be able to purchase a policy when you reach the border.

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What You Need to Purchase Temporary Car Insurance

There are several things you’ll need to provide any insurance provider you attempt to purchase a temporary policy from, including:

  • your vehicle’s registration
  • details about your vehicle
  • coverage options you are requesting
  • the dates you will be in Mexico
  • who will be driving the vehicle
  • where you will be staying during your time in Mexico

If you choose to drive a rented, leased, financed, or borrowed vehicle while in Mexico, you will need to bring a notarized letter from the owner of the vehicle.

This notarized letter shows that the owner of the borrowed or rented vehicle, the lien holder, or the leasing agency has authorized you to take the vehicle into Mexico.

Some rental agencies may provide minimum levels of coverage, but it’s important to look at the terms of your contract before deciding if that coverage is enough for your trip.

Things to Remember Before Getting Behind the Wheel in Mexico


Before you purchase a temporary policy or supplemental insurance for your trip to Mexico, speak to your current insurance provider.

They may offer supplemental policies for trips outside of your home country, or they may have a relationship with providers in Mexico that can help expedite your process.

If you are renting a vehicle, you may need to pursue getting car insurance through the rental company if your current provider cannot offer coverage.

Additionally, you may find that some credit card providers offer car insurance if you are renting a car while visiting Mexico. You can call their customer service number to find out.

Being involved in an accident in Mexico can have a number of consequences. You may be arrested, detained, and your vehicle can be impounded until the police have determined who is responsible for the accident.

When you are at-fault, you may remain in police custody until your insurance has been verified. Additionally, anyone driving under the influence of drugs or alcohol can classify you as an uninsured driver, which may lead to legal hardships.

Final Tips for Travel

When you are traveling abroad, your car insurance purchased in the United States will normally not provide you with coverage.

Any loss you experience will not be covered under your policy. Purchasing a temporary car insurance policy for your time in Mexico is a necessity if you’re driving.

There are several perils that you can encounter while driving in Mexico. These can include:

  • large potholes and speed bumps
  • poorly maintained vehicles
  • poorly maintained roads
  • roaming animals or livestock
  • construction areas without signs and notices

Driving during the day is safer than driving at night, especially since roadside assistance and emergency services do not work the same way as they do in the United States.

Before deciding on your travel plans, make sure to check the Department of State website for information about travel warnings in your area.

This website can provide you with valuable information and safety concerns before you begin your trip or while you are on your trip.

Compare car insurance quotes today to be sure you find the best rate for the coverage you will need while visiting Mexico.