A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 19, 2021

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It is possible to buy Mexican auto insurance online. In fact, if your vacation plans involve renting a vehicle or driving your own car, it is a requirement by law. According to the Mexican Bureau of Consular Affairs, Mexican insurance must be valid before you drive in any city.

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Residents of the United States may use their current driver’s license to obtain an insurance quote as they are considered valid in Mexico, but American auto insurance policies are not recognized or enforced, so you will need Mexican car insurance temporarily if you drive there.

There are several websites available for U.S. residents to take advantage of, but you must have a clear understanding of Mexican law and how it applies to tourists. For example, many cities have checkpoints along residential roads, which will not allow for U.S.-Mexico border crossings.

You must ensure that your information is current before embarking on any journey involving a motor vehicle. Additionally, many road conditions in Mexico are poorly maintained.

Because Mexico is considered a high-traffic area for illegal activity, it is essential that your insurance provider is reputable in the event that you are involved in a motor vehicle collision requiring a car insurance claim.

Types of Auto Insurance Mexico Observes

In accordance with San Diego County, a leading provider of car insurance information for Mexico, you must possess full coverage on any vehicle you drive, including rental cars. This type of coverage will protect your liability as well as any legal issues that may occur.

The laws in Mexico vary greatly from those in the United States and even though the distance between certain states like California and Arizona is relatively short, you need to take the necessary precautions.

Mexico is a completely different country with rules and regulations that can be heavily enforced.

For example, the automobile insurance provider you select should advise you of the DWI or Driving While Intoxicated laws in Mexico. If you are involved in a motor vehicle collision and it is determined that alcohol was the contributing factor, your car insurance will become void.

You must not drive if you have been drinking, even if the amount is considered allowable in the United States. You may face extremely harsh penalties and possible incarceration if you are arrested on these types of charges.

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Tips for Driving in Mexico

In addition to obtaining the correct level of car insurance, there are other important facts you should become familiar with, like the speed limits. In Mexico, all of the speed limit signs reflect kilometers, not miles per hour. You should understand the difference to avoid any incidents.

Additionally, you must observe the seatbelt law and cooperate during any military checkpoints. During your travel, you may be expected to pull to the side of the road and submit to a physical search. This can include your vehicle and your person. Remain calm, carry your identification, and obey the laws.

You must also familiarize yourself with the vehicle regulations as they apply to your personal vehicle. For example, in the United States, you can loan your car to anyone with a valid driver’s license and your auto insurance will cover them while they are in possession of your vehicle.

In Mexico, the law requires the owner of the vehicle to drive their car or be present at all times if someone else is in control of the car. If you decide to allow someone else to drive your car and you are not in the vehicle, customs may seize your car. Should this occur, your vehicle will become the property of Mexico; you will never see your vehicle again.

Safe Driving in Mexico

It is advised that tourists refrain from driving at night in Mexico due to the narrow lanes and shoulder areas. If you must travel during evening hours, it is imperative that you exercise caution and use populated, toll-roads, and avoid country roads that are less traveled.

Between the rollover accidents and criminal assaults, you may find it difficult to receive emergency aid if you are not easily located.

Always keep your windows rolled up and utilize the air conditioning; lock the doors at all times. Never block yourself in when driving in traffic, in the event that you need to escape quickly and refuse all hitchhikers requests.

If you require emergency assistance, remember your main ally will be the Green Angels, a local group that travels the major highways. They have a number of tow trucks and their crew- members all speak English.

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