Planning to travel in your own vehicle within Mexico? It is one of the busiest borders on earth, and there’s a lot to think about. Just be sure to get the necessary auto insurance before leaving, with time to spare.

With so many other exciting details to think about – where to stay, what sites to see – this mundane one could get brushed under the rug. Educate yourself on the reasons you need travel insurance below.

4 Reasons It’s Necessary to Have Auto Coverage When in Mexico

Drivers entering Mexico from the U.S. need to consider carrying additional insurance for a number of reasons.

1. U.S. auto insurance doesn’t apply in Mexico.

American policies generally stop their coverage at the border, and Mexico legally requires liability insurance issued by a Mexican insurer to drive there. This includes third-party liability for bodily injury and property damage.

2. Mexico requires valid Mexican auto insurance.

Some coverage needs vary depending on the trip, but most drivers will want to have liability, collision, theft, medical payments, and legal assistance. Requirements may also depend on the part of Mexico you’re visiting and whether you’re financing or leasing your vehicle.

3. Without it your costs become out-of-pocket.

Without proper Mexican coverage, you could be personally obligated to pay for a whole range of expenses, including vehicle repairs, property damage or medical bills if there’s an accident, and legal fees related to that accident.

4. You need protection for your own vehicle and passengers.

The necessary coverage, such as collision, theft, roadside assistance, and medical expenses, can be acquired directly through Amigo Insurance, which offers short-term and long-term Mexican auto insurance policies tailored for U.S. travelers.

Learn about the different types of auto insurance for driving in Mexico.

How to Know You Have Proper Coverage for Your Driving Trip

Now that you’ve decided to get insurance, make sure it’s the proper coverage for your trip. There may be options within plans that don’t apply to your situation, and why waste money on something you don’t need? On the other hand, Mexico has its own set of laws and it’s important that road trippers know about them before entering the country.

Here are a few factors to steer you toward the proper auto coverage:

Minimum Required Coverage

At minimum, be sure to carry liability insurance that meets financial responsibility standards in Mexico for the days that you will be there. Minimum amounts are often referenced for bodily injury/death, as well as for property damage, but you should confirm the current required limits before your trip, as rules can change.

Optional, Recommended Coverage Types

Find out what might benefit you and your family beyond basic liability coverage. Some items to consider adding:

• Collision & comprehensive for your vehicle
• Theft coverage
• Medical payments
• Legal assistance & bail coverage

Together, these give travelers broader protection and more peace of mind.

How to Buy Auto Insurance for Mexico

The easiest way to purchase temporary coverage is by calling Amigo Insurance at 773-300-4915. An agent will ask you pertinent questions to understand your situation and walk you through your options to ensure you’re choosing wisely.

Documents to Carry

Be prepared to show the proper documentation should anyone request it – printed as well as digital versions if possible. Items that may come in handy:

• Proof of Mexican insurance
• Your U.S. driver’s license
• Vehicle registration
• Entry permits if necessary

Plan Ahead: For Peace of Mind, Call AMIGO Insurance

Talk to an Amigo Insurance agent to purchase travel insurance before your trip. Generally, Mexican auto insurance can be bought just for the specific days travelers need it.

Visit Amigo in person or call 773-300-4915 for a free quote today!