Use Common Sense when it comes to Mexican Car Insurance
Those who drive their vehicles to Mexico have many different ideas about whether or not they need Mexico car insurance beyond the border. Some think because they are only visiting the Mexican Free Zone they don’t need car insurance. The Mexican free zone consists of the area between 20 and 30 kilometers from the border with the U.S., in addition to Baja and Sonora. And although you do not need proof of insurance to travel in the free zones, you should have it. No matter where you travel in Mexico, if you are involved in an automobile accident, you will be taken into police custody until it is determined who is at fault and whether you have the ability to pay any penalty or damages.
Other visitors to Mexico believe their U.S. or Canadian insurance policies will cover them while traveling and driving in Mexico. It is true that many U.S. and Canadian policies will provide some coverage in certain areas of Mexico near the border with the U.S. However, all insurance agencies differ and you should check to see what you are covered for and if it will apply in the location you are planning to travel in Mexico.
Purchasing Mexico insurance is easy online and can be purchased for any amount of time, from one day to a year. It is most likely worth a few minutes (yes, it only takes 5 minutes to quote, purchase and print your policy!) on the computer before you head to your vacation destination to get this peace of mind and know you won’t get detained in a Mexican jail. And the expense is minor.
If you do choose to drive to Mexico without proper auto insurance, please be prepared to show proof and be able to pay for any damages you may cause if involved in an accident. To learn more, click here to read Mexican car insurance FAQs (Frequently Asked Questions).