Are you planning a road trip to Mexico for the holidays? Or taking an important work trip with an extended stay? Whether you take a break from your regular life for a leisure trip to Mexico by car or have to travel to multiple cities in Mexico as part of your work, there are few things to consider besides packing your bags.
More often than not, people tend to miss one important thing and get to it only at the border to Mexico. Puzzled what it is? It is the Mexican car insurance you have to opt for to keep your travel safe and worry-free. Federal law requires third-party liability insurance on vehicles on federal roads and bridges (art. 63 Bis).
Do You Need The Best Mexican Car Insurance?
Let us clear the most obvious queries you may have.
Can I Use My Existing Car Insurance?
Baja Bound's FAQ says US and Canadian insurance is not considered proof of financial responsibility under Mexican law, so you would need a separate policy to cover your expenses while in Mexico.
Is Insurance Mandatory To Take Your Car To Mexico?
Mexican federal law requires vehicles on federal roads and bridges to carry third-party liability insurance (Ley de Caminos, Puentes y Autotransporte Federal, art. 63 Bis; see also our common questions), and driving without it carries a fine (art. 74 Bis). See what you need before you drive into Mexico for the documents and permits.
What Is The Minimum Insurance Requirement For Your Car In Mexico?
You should at least have liability coverage and, if possible, add additional coverage for your entire trip. Liability coverage is the minimum the law requires on federal roads (art. 63 Bis).
As you can see, it is clearly out of the question to opt-out of car insurance if you want to take a ride on Mexico’s federal roads and bridges. But you still have the time and choice to research and choose the right insurance provider who can meet all your needs in terms of coverage, premium terms, and so on.
Mexican car insurance is usually a standalone policy that can provide additional coverage options like roadside assistance or towing.
For a car rented in Mexico, Baja Bound cannot cover it; use the rental company's cover (Baja Bound FAQ).
The most common types of coverage you can check out are:
• Liability coverage
It covers the cost of repairs for property damage or personal injury to someone caused by your car.
• Physical damage and theft
It covers damage to, or theft of, your own car.
• Medical payments
It covers expenses related to car accidents for you and your passengers.
• Roadside assistance
It covers towing charges and battery jumpstart expenses
• Legal assistance
Baja Bound's auto policies include legal assistance and a bail bond (Baja Bound).
Do take your time to go through all the available policies and choose the best Mexican car insurance that fits your needs, like cost, duration of stay, and expected coverage.
Taking your own car? Start a Mexican insurance quote.