Car Insurance for Mexico

Yes, you need Mexican car insurance if you plan to drive in Mexico. Your US or Canadian auto insurance policy will not cover you in Mexico.

Mexican law requires all vehicles to have insurance. This is to protect both you and the other drivers on the road in case of an accident. If you’re caught driving in Mexico without Mexican car insurance, you could be fined, have your vehicle impounded, or even arrested. However, what type of car insurance is mandatory depends on the Mexican state you live in.

If you are a US diplomat, there are mandatory liability levels your coverage must meet. The Government of Mexico requires diplomats to have a Third-Party Liability insurance policy that provides a minimum of 750,000 MXP (around $37,500 USD) for material damage, a minimum of 750,000 MXP (around $37,500 USD) for personal damages, and MXP 500,000 (around $25,000 USD) for medical expenses.

Clements Worldwide offers insurance solutions that meet Mexico’s mandatory liability requirements. Reach out to one of our personal insurance advisors to learn more and get the coverage you need:  request a quote, or send your questions via the contact form.

In most cases, you will need Mexican auto coverage. Check with your US carrier to see if they provide auto coverage in Mexico. If they do, ask them how long their coverage lasts. While some US policies may grant Mexican auto coverage for a certain period, keep in mind that if you’re in a car accident on Mexican soil and have US-based insurance, you are legally required to wait at the scene until the US adjuster arrives.

If you’re a US diplomat, you cannot rely on your US auto coverage; you are required to obtain Mexican auto coverage.

Yes, we can cover US, Canadian, Diplomatic, and Mexican plated vehicles. Let us know which country your vehicle is registered in.

Yes, most Mexican car insurance policies include roadside assistance. The specific roadside assistance benefits that are included in your insurance policy will vary depending on the level of coverage you purchase. However, most policies include at least the following basic roadside assistance services:

• Towing
• Jump starting
• Flat tire repair
• Fuel delivery

In addition to these basic services, some Mexican car insurance policies also include additional roadside assistance benefits, such as:

• Lockout assistance if you lock your keys in your car
• Winch-out service if your vehicle gets stuck in a ditch or other off-road situation
• Rental car reimbursement if your vehicle is being repaired after an accident or breakdown

Our Mexico car insurance can cover RVs, motorcycles, ATVS, trailers and boats.

• Cost per day: Coverage for liability only can be as low as $30 USD per day. If you include vehicle coverage, it can be about $42 USD per day.
• Annual cost: Annual liability coverage is around $200 USD per year. If you include vehicle coverage, it’s $500 USD per year.

Mexico auto policies do NOT cover rental vehicles. Our Mexico auto insurance only covers vehicles you own, vehicles you’re financing, or vehicles you’re leasing.

Yes, policy claims and customer service are provided in English and Spanish.