Mexico Auto Insurance — Before You Cross
Your US policy stops at the border. Mexican law requires liability cover from a Mexican-licensed insurer — buy it here before you go.
- Or trip, six-month, annual
- Daily
- Required by Mexican law
- Liability
Your American policy does not cover you in Mexico
Mexico does not recognise US-issued liability insurance. In an accident without a Mexican-issued policy, the vehicle can be impounded and the driver detained until liability is settled — regardless of fault.
Pick the term that matches the trip
| Term | Best for |
|---|---|
| Daily | A weekend in Rosarito or Ensenada |
| Trip | A week or two down the peninsula |
| Six-month | Regular crossings, seasonal stays |
| Annual | The lowest cost per day if you cross every month |
What a Mexico policy should have
- Legal assistance and bail bond
- Roadside assistance across Mexico
- Documents in Spanish and English
- Theft and damage cover for your own vehicle, if you want it
Legal assistance is the one people skip and later wish they hadn't — in Mexico a traffic accident can be a criminal matter until fault is settled.
Boat, motorcycle and RV
- MotorcyclePlus Mexico cover for the ride down.
- RV & trailerFull-timer and recreational use.
- BoatMexican liability for boats and personal watercraft.
Questions we get asked
Does my US car insurance work in Mexico?
Not for liability. Mexican law requires liability cover from a Mexican-licensed insurer. Some US policies extend damage cover a short way into Mexico, but that never satisfies the liability requirement.
Can I buy Mexico insurance for a single day?
Yes — daily policies are made for short trips across the border. If you cross often, a six-month or annual policy usually costs less per day.