Car insurance
is required for tourists who drive in Mexico but U.S. auto insurance policies are not valid there. Thankfully, Progressive
can provide you with temporary coverage through MexPro, a specialized broker for Mexico auto insurance policies. If you live in a southern state, like Texas, driving over the border might be the easiest way to embark on your next tropical vacation. However, as soon as you drive onto a road in Mexico, you’ll need to adhere to the country’s driving laws—which include having a valid Mexico auto insurance policy.
Unfortunately, your U.S. policy won’t work. However, Progressive can help you legally meet Mexico’s insurance requirements with MexPro, a specialized broker that helps you secure temporary auto insurance coverage tailored to your road trip plans. We’ll explore all the details in this article.
Do you need car insurance coverage to drive in Mexico?
Yes—you need car insurance coverage to drive in Mexico.
However, Mexico does not recognize U.S. car insurance policies, which means that driving in Mexico without the appropriate type of coverage can leave you seriously at risk.
For example, if you get into an accident, Mexican authorities might arrest you and impound your vehicle until the matter is resolved. You could also be on the hook for any repair costs, towing, medical bills, or legal fees—not to mention any property damage you may cause to other vehicles!
Fortunately, it’s pretty simple to find a Mexico car insurance policy to meet your unique needs. Progressive can help you secure daily, six-month, or twelve-month policies with various Mexican car insurance companies.
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What does Mexico car insurance cover?
Just like in most states, liability coverage
is mandatory in Mexico, and driving without it is illegal. Like the states in the United States, the states in Mexico have different laws, and where you’re driving will impact how much liability insurance you will need. The general recommendation is $300,000 of third-party liability damage coverage.
Beyond that, however, your coverage options vary based on need and preference.
Full-coverage
car insurance (which includes collision
coverage and comprehensive
coverage) is always a good idea, and further supplementing your liability insurance with rental car insurance
or roadside assistance
may also be a wise choice.How to get a Progressive Mexico car insurance policy
If you’ll be driving your own set of wheels across the border, you can use Progressive to secure a temporary Mexico car insurance policy that meets your unique needs.
Progressive can provide you with appropriate coverage through MexPro, their specialized broker for Mexico auto insurance policies. You can get a quote from Progressive, and MexPro will help you find policies that will work with your travel plans. MexPro will also make sure that you have all the coverage you need to be fully compliant with Mexican car insurance laws.
You can use Progressive’s online MexPro tool
or you can call a MexPro specialist at 1-877-537-7878. However, if you’re renting a vehicle in Mexico, it's recommended to insure the car directly through the rental agency.
How much does Mexico car insurance cost?
The cost of Mexico car insurance will depend on a variety of factors, such as your driving record, the type of car you have, the coverage you need, and the length of your policy.
Generally speaking, however, temporary Mexico car insurance costs far less than a standard policy in the United States. The cost of your car insurance in Mexico will vary by insurer and be based on different factors, like your vehicle, how long you need coverage, and which coverages and limits you choose. Additionally, the cost per day of Mexico car insurance for tourists typically decreases the longer they are in Mexico.
Keep in mind that if you do not secure a Mexico car insurance policy in advance, it might be possible to get car insurance at the border. Unfortunately, this route is typically far more expensive than purchasing a temporary Mexico policy ahead of time.
And although Progressive’s MexPro tool might be useful, it is still okay to shop around for car insurance quotes
before you head to Mexico. Progressive isn’t the only car insurance provider that offers Mexico coverage. You may find better insurance rates through other companies, like GEICO
, Allstate
, or Liberty Mutual
. "I usually hate all the phone calls that come with getting car insurance quotes, but with Jerry
I was able to do everything over text. I went from $224 with my previous provider to $193 with Nationwide. Such a relief!” —Gabby P.
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