Crossing the USA – Mexico border is surprisingly straightforward but there are a few absolute necessities. You will need an FMM tourist visa, a TIP if leaving the border or free zone, and Mexican auto insurance.
You can buy daily Mexican car insurance policies for affordable options or secure 6 and 12 month policy terms. It really depends on how often you travel and how long you plan to stay.
Taking a long weekend to have dental work done? Choose a daily, simple plan. Going for an extended trip to explore Baja or the mainland? Consider an annual plan just to be safe. The annual plans are typically only a few bucks more than 6-months so the cost is negligible.
Auto Insurance is Mandatory in Mexico
Insurance is compulsory in Mexico which means it’s required by law for all drivers. In the country, there are four primary insurance companies which means your home country policy will not cover you in most cases. A few US based insurers may cover a few miles into the free zone however.
Some US insurers will offer a Mexican policy to you. It still will come from one of the four companies in Mexico however. Check with your insurer to be sure before moving forward. Of course, you can always grab a Mexico auto insurance quote and buy from us directly.
How Far Does Your Home Policy Travel?
Right up to the border in most cases. Many policies will extend between the USA and Canada and a few may even go into Mexico a short distance. Even in the case of having a home policy that offers coverage within a certain distance of the border, we still recommend a 3rd party liability policy at a minimum from a Mexican insurer. It can seriously save your butt in the event of an accident.
3rd Party Liability Only is Affordable
This option is excellent as a standalone, especially with lower value vehicles. It is the minimum requirement by law. The liability limits by state in Mexico so this piece varies. As a minimum we recommend 300,000 USD but 500,000 USD is an option that won’t raise the price by a significant amount in many cases. You can play with these amounts on our quote form to figure out the price difference.
Full Coverage is Also an Option
Your nice car or RV deserves protection in Mexico and full coverage is available for many vehicles. There are often two options with one having full coverage and the other offering extended coverage options on top of the regular full coverage policy.
Things like total theft, vandalism, US repair rates and roadside assistance are available with full coverage policies. This works for regular vehicles and many RV’s.
Towed Units, Boats, ATV/UTV and Such
Towed units are automatically covered for liability under your regular auto policy while in tow. When the boat hits the water or the ATV is unloaded, they are no longer covered but can be under a separate policy.
You have the option for full coverage on some towed units as well. 5th wheel campers and travel trailers are all good candidates for full coverage while in tow. Of course, you can leave them at the liability only phase if desired as well.
Ultimately, you need temporary Mexico auto insurance policies because it’s the law. The insurance will protect you and other drivers. Use our quote tool to compare rates and purchase your policy in a matter of minutes.