auto insurance to travel to mexico

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Mexico auto insurance: tourists and travelers

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Get car insurance coverage for driving into Mexico

Planning a trip to Mexico? If you'll be driving there, you may want to take a look at your car insurance coverage and see if you need additional car insurance to travel to Mexico.

Your U.S. driver's license is valid in Mexico, according to the U.S. Department of State . But, your U.S. car insurance policy likely does not cover you, your vehicle or your rental car if you get into a wreck in Mexico.

That's where Mexico auto insurance for tourists can help.

What is Mexico tourist auto insurance?

Mexico tourist auto insurance is a car insurance policy, separate from your domestic policy, that helps cover U.S. and Canadian drivers in Mexico.

This type of policy helps pay for medical bills and car repairs if you're involved in a car accident while driving your vehicle with U.S. or Canadian plates in Mexico.

In Mexico, each party involved in a car accident must provide proof of valid insurance or financial responsibility. And, drivers in Mexico must have insurance from a Mexican company.

Allstate works with insurance companies in Mexico to help provide coverage for you and your vehicle.

get ready to hit the road in Mexico

By clicking "get a quote" you will leave Allstate.com and be directed to the International Insurance Group website*

What does Mexico tourist auto insurance cover?

• Physical damage and theft This type of coverage may help pay to repair or replace your vehicle if it's stolen or damaged in a collision, or by things like fire, hail or falling objects. Coverage limits are based on U.S. labor rates.
• Bodily injury or property damage you cause to others (up to $1,000,000) If you're found at fault for a car accident, third party liability coverage helps pay for the other party's medical expenses or property damage.
• Medical payments for you and your passengers If you or your passengers are injured in a wreck, this type of coverage may help pay for resulting hospital bills and services like X-rays or ambulance fees.
• Legal assistance This coverage may help pay for your legal expenses if you're involved in a car accident in Mexico. Coverage may include legal representation and court costs.
• Loan or lease payoff for a totaled new car This coverage helps pay off an underwater loan or lease on a car that's totaled in a covered claim. Gap coverage helps pay the difference between your car's depreciated value and what you still owe.
• Roadside assistance If your car breaks down, roadside assistance helps pay for services such as towing, changing a tire or jump-starting a battery.
• Medical evacuation If you're injured in a car accident, this coverage may help pay for expenses associated with emergency transportation to a hospital or treatment facility.

It's important to remember that each coverage has a limit , the maximum amount your insurer will pay for a covered claim. And some coverages have a deductible , the amount you pay out of pocket toward a covered claim. Coverages on the Mexico tourist auto insurance policy typically have low fixed deductibles.

Is my rental vehicle covered when I travel to Mexico?

Yes, provided you rented the vehicle in the U.S. and then drove it into Mexico. The following are typically not covered:

• Rental cars when rented in Mexico
• Vehicles with Mexico license plates (must have U.S. or Canada plates)
• Commercial vehicles

How does Mexico car insurance for tourists work?

Whether your trip lasts for a couple days or a couple months, you can tailor your policy to the length of your stay, up to a year. You'll pay your premium at the time you purchase coverage – separate from the regular premium you pay on your domestic car insurance policy. Coverage usually begins on the date selected for the policy to start and can start immediately.

To get coverage on your Mexico policy, you must have similar, corresponding coverage on your domestic car insurance policy. For example, you must have collision coverage and comprehensive coverage on your U.S. policy if you want to buy physical damage coverage on your Mexico policy.

Am I eligible for a policy?

You may be eligible to buy Mexico tourist auto insurance if:

• You're over age 21 (additional service fee applies for younger drivers)
• You have a valid U.S. or Canada driver's license

Mexico tourist auto insurance costs will vary based on length of stay, and potentially other factors that an Allstate agent can walk you through. Get a quote for more information on whether Mexico tourist auto insurance should be a part of your travel plans.

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Do I Need Travel Insurance for Mexico?

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Table of Contents

Do I need travel insurance for Mexico?

What are the different types of mexican travel insurance, which credit cards offer travel insurance, where can you purchase more coverage, final thoughts on buying travel insurance for mexico.

Planning a trip to Mexico? The country has a lot to offer to globetrotters: breathtaking beaches, flavorful food, and striking sights. Plus, it’s easy to get to with nonstop flights from many U.S. hubs.

Once you’ve booked your ticket, you might be wondering if you should buy travel insurance for your Mexico trip. Here's a look at whether Mexico travel insurance is required, what credit cards offer trip coverage and where else you can buy a policy if you need additional protections.

If you’re a frequent traveler, something going wrong on your travels isn't a matter of if, but a matter of when. You could experience an overnight delay, your bag might not make it to your destination or your rental car may no longer be where you parked it.

Because traveling is anything but perfect, you might consider purchasing a travel insurance policy for a variety of reasons, including:

To protect the upfront costs in case of a cancellation or a delay.

To protect yourself from a costly bill in case of an emergency medical situation.

Although travel insurance isn’t required for Mexico, many people still choose to purchase it. You’ll want to take a look at the overall trip and expenses while you consider your options .

For example, are you renting a car for a self-drive adventure? You might consider a policy that includes rental accident coverage . Is the cruise you booked out of Cozumel setting sail the day you arrive? You might want to have missed-connection coverage. Will you be traveling to Cancun during hurricane season? Look for a plan that covers inclement weather .

Travel insurance coverage ranges from basic to extended and the limits vary. You will typically find the following types of insurance and coverage in a comprehensive travel insurance plan.

Accidental death and dismemberment insurance provides coverage for death or losing a limb, sight, hearing or speech as a result of an accident.

Baggage delay reimburses the cost of essential items paid for in the first few days of not receiving your checked bag.

Baggage loss reimburses the cost of your suitcase and belongings should a checked bag become lost, stolen or damaged.

Emergency medical evacuation and repatriation insurance provides coverage for transportation to the nearest medical facility or your home country (including the transport of remains).

Rental car collision damage waiver offers insurance against damage or theft of a rental car.

Trip cancellation reimburses prepaid nonrefundable costs if you must cancel a trip for an unforeseen covered reason, such as illness or a natural disaster (note that this doesn’t provide Cancel For Any Reason coverage).

Trip delay covers transportation, meals and lodging should your common carrier be delayed or you can’t return home because of quarantine.

Trip interruption reimburses you for unused, nonrefundable costs if the trip has to be cut short for a covered reason and you must return home.

» Learn more: Is travel insurance worth it?

Before you decide to buy independent travel insurance for Mexico, check to see if you already have coverage provided as a benefit of one of your travel credit cards . With most cards, the coverage limits are typically lower than on a comprehensive plan, but it’s better than nothing.

The following cards provide coverage against trip delay, baggage delay or loss, travel accidents, and rental car collision damage:

Capital One Venture X Rewards Credit Card .

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

The Platinum Card® from American Express .

United℠ Explorer Card .

Terms apply.

If you hold one of the cards above, or perhaps a different credit card, familiarize yourself with the benefits guide. You might be pleasantly surprised to know that several items of a comprehensive travel insurance plan are included as long as you pay for the trip with that credit card.

One of the most valuable perks is collision damage insurance for a rental car. However — and we can’t stress this enough — beware that the rental car collision damage waiver included with the cards above doesn’t cover the liability insurance that car rental companies in Mexico require.

You might be surprised to arrive at the rental car counter after having reserved an inexpensive vehicle only to be hit with an astronomical fee on top of the bill. Before you yell at the agent, know that the charge is legitimate as this coverage is required by law. Either obtain the required coverage before arriving in Mexico or pay for a liability plan from the rental company .

» Learn more: The best travel credit cards right now

Although trip insurance that comes with travel rewards credit cards is good to have, you might notice that some of the coverage limits aren’t particularly high. If you feel like you need better travel insurance for Mexico, consider investing in a comprehensive independent policy.

Travel insurance marketplaces, like InsureMyTrip, Squaremouth orTravelGuard can help you find trip coverage, compare quotes and narrow down a plan for your needs and at your price point. Travel insurance providers include AXA Assistance, Battleface, GoReady, IMG , Seven Corners , Trawick International, Nationwide and more.

Depending on the plan, you can get coverage for trip cancellation and interruption, baggage delay or loss, rental car collision damage waiver, emergency medical insurance and emergency medical evacuation coverage. You might even get COVID-19 coverage with some plans, so make sure to read over each plan’s terms carefully.

With travel insurance marketplace tools, you can filter quote results based on what you want the policy to cover, including coronavirus pandemic, quarantine extension or pre-existing conditions .

It’s worth noting that general travel insurance doesn’t cover extreme sports like scuba diving, so if you plan on diving in the cenotes of Yucatan Peninsula or at Land’s End in Cabo San Lucas, consider purchasing scuba diving insurance from DiveAssure, Divers Alert Network or World Nomads .

» Learn more: Airline travel insurance versus independent travel insurance

Travel insurance can help put your mind at ease in case something goes wrong on your trip. Although you don’t have to buy travel insurance for Mexico, you might give the idea a second thought as you never know what can happen abroad. Luckily, many credit cards provide some basic coverage, and if you need more protection, you can always purchase a comprehensive plan that fits your needs.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Information About Auto Insurance Policies in Mexico

What you need to know about auto insurance policies in mexico..

Mexican law requires that you purchase a Mexican auto tourist policy to legally drive in the country. You're in luck! The GEICO Insurance Agency can help you get affordable insurance in Mexico. So, whether you need a policy for a few days, 6 months, or a year, you can get the coverage you need. Mexican auto policies can provide coverage for liability, emergency roadside assistance, property damage, theft, and more.

To get a Mexico auto insurance quote we'll need a few details:

• When and where you're traveling in Mexico
• Type of vehicle you need insured
• Duration of your trip

Don't get stranded in a foreign country without the right protection. Get a free quote, review your policy details, and purchase online today!

• Get a Mexico car insurance quote

You can customize your Mexico auto insurance policy.

Get a quote , choose the policy that's right for you, and buy online. Mexico car insurance is competitively priced, with standard or extended coverage options—including physical damage, liability, vandalism, partial theft, medical payments, and emergency roadside assistance.

All policies are insured by highly-rated Mexican insurance companies, like Grupo Nacional Provincial and El Aguila Compañía de Seguros, They're issued by fully-licensed U.S. insurance broker, International Insurance Group, Inc. which issues over 100,000 Mexico auto policies each year.

Coverage is available for your watercraft.

Hitting the water after the highway? Coverage is available for your sail-boat, power boat, yacht, or personal watercraft. Just quote, purchase, and print!

• Get a Mexico watercraft liability insurance quote

If you choose to get a rate quote online, you will be taken to the International Insurance Group, Inc. website. This site is not owned by GEICO. Any information that you provide directly to International Insurance Group, Inc. on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO assumes no responsibility for their privacy practices or the use of their website.

Mexico Tourist Auto Insurance and Mexico Watercraft Liability Insurance coverages are written through non-affiliated insurance companies and are secured through GEICO Insurance Agency, LLC .

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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Three Easy Steps to Buy Mexico Tourist Auto Insurance

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Secure a fast, reliable online quote in minutes with MexcoCovered.com. Start your journey with confidence knowing you’re getting the best possible coverage..

Choose Your Coverage

Select from our premium, +A Rated Mexican insurance carriers. Tailor your coverage to match your needs, ensuring peace of mind while you explore the vibrant landscapes of Mexico.

Purchase & Print

Complete your purchase online and print your policy documents immediately. Prepare for an unforgettable adventure in Mexico with the right insurance.

Tailor Your Mexico Auto Insurance

Your travels are unique, and your insurance should be too. Customize your Mexico Tourist Auto Insurance to fit your specific travel plans. Choose from daily, monthly, or annual coverage options available online or through our dedicated agents.

Comprehensive Coverage Options

• Civil Liability : Protect yourself from liability for injuries and damages you might cause to others.
• Legal Defense & Bail Bonds : Vital support in case of legal issues following an accident.
• Medical Payments : Cover your medical expenses for accidents in Mexico.
• Uninsured Motorist : Safeguard against losses caused by uninsured drivers.
• Towing & Labor : Get coverage for towing and labor costs post-accident.

Additional Benefits With Every Policy

When you choose our Mexico Car Insurance, enjoy additional benefits at no extra cost:

• Emergency Roadside Assistance
• Emergency Medical Expenses
• Emergency Transportation
• Accidental Death and Funeral Expense Coverage
• Repatriation of Remains

Do I have to buy Mexico tourist auto insurance?

Driving without valid Mexico Auto Insurance? It’s not just risky—it’s illegal. Our policies are backed by authorized Mexican carriers, ensuring you meet legal requirements with options for comprehensive collision and theft protection.>

More Than Just Auto Insurance

At MexicoCovered.com, we offer more than just Mexico Tourist Auto Insurance. From RVs and motorcycles to boats and homes, get all your Mexican insurance needs met in one place. Start with a free, secure online quote today, or call us at (877) 334-7646 to speak with an expert.

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What are customers are saying

“ I never go on a fishing expedition without the coverage I got from these guys. Top-notch service. “

“ I found the best price for comprehensive coverage on MexicoCovered.com. The process was straightforward, and I felt reassured having immediate proof of insurance. ”

“ Thanks to MexicoCovered.com, my family and I enjoyed a worry-free sailing trip around Los Cabos. “

“ When our car broke down in Guadalajara, the roadside assistance we added on was a lifesaver. Quick, efficient, and exactly what we needed in a stressful moment. ”

“ Navigating through different insurance options was incredibly easy on MexicoCovered.com. The details were clear, and getting covered took just a few minutes. “

I was a little confused about the process because I was bringing a trailer with a small boat. The sales team was excellent and helped me understand the process and what to expect. The quote was quick and the rates were good. Overall, excellent sales experience.

I’m driving into Mexico more frequently now, and the MexicoCovered.com site makes it really easy for me to get my policy issued and my car on the road.

I was buying Mexico tourist insurance through my insurance agent, but MexicoCovered.com made it super easy. I’ll be buying with them when I drive into Mexico from now on.

Ready to Explore Mexico?

Start your free quote today – it’s quick, safe, and secure. Experience the beauty of Mexico with the peace of mind that comes from IronPoint Insurance Services, LLC.

Rather speak with an insurance agent? Call us at (877) 334-7646 .

Frequently Asked Questions

Absolutely. When venturing into Mexico with your US or Canadian-registered vehicle, Mexican law mandates that you have valid civil liability insurance issued by an authorized Mexican insurance company.

This is non-negotiable. Don’t just cross the border—cross it with confidence by securing your Mexico Tourist Auto Insurance through our trusted partners.

Your adventure deserves a seamless start. The cost of your Mexico Tourist Auto Insurance is determined by:

• The coverage level you choose
• The value of your vehicle
• Your chosen deductible
• The duration of your coverage

At MexicoCovered.com, we connect you with +A rated Mexican insurance carriers, letting you compare and secure rates that best fit your travel budget. Start comparing today—where flexibility meets reliability.

For your convenience, all policy premiums, coverage limits, and values are quoted in US dollars. In the event of a claim, settlements are typically made in Mexican Pesos, but arrangements for payments in US dollars can be made with most carriers. Let us handle the details, so you can focus on enjoying your trip.

Driving privileges under your Mexico Tourist Auto Insurance are specific:

• Mexican Citizens : Not permitted to drive foreign-registered vehicles within Mexico.
• Young Drivers : Those 21 and under may face surcharges or restrictions. Disclose young drivers in advance to ensure coverage.
• License Requirements : All drivers must hold a valid driver’s license from their home country.

Our policies are designed to provide flexibility and peace of mind. Make sure your co-pilots are eligible to drive under your policy by consulting with us first—safety and compliance are just a call away.

Instantly. Purchasing your Mexico Tourist Auto Insurance through our online platform is swift and straightforward. Complete your purchase and, within minutes, receive your policy documents via email or directly through your online account. Choose the path of least resistance with MexicoCovered.com for a quick, secure policy delivery.

After purchasing, you will instantly receive an email confirmation along with your policy documents. These can be printed immediately, saved, or accessed at any time through your online account. At MexicoCovered.com, we ensure that your policy documents are just a few clicks away, giving you more time to prepare for your Mexican adventure.

Car Insurance for Mexico: Everything You Need to Know

Buying mexican car insurance is necessary if you’re going to drive in mexico. here’s what you need to know before your next trip..

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Table of contents

Do you need car insurance in mexico .

• Where to buy car insurance
• Best Mexican auto insurance
• Rental car insurance
• What to consider while driving in Mexico 

Mexico car insurance FAQs

Table of contents compare quotes.

Whether you fly into Mexico and rent a car or drive across the border in your own car, you need to have the proper car insurance if you want to legally drive in Mexico. Though a standard U.S. car insurance policy typically won’t cover driving in another country, some insurance providers make exceptions for Mexico. 

When you set out on your trip, it’s important to make sure you have the right coverage. But even if you have coverage back home, Mexico requires car insurance through a Mexican insurance provider. [1]  

Yes, you need car insurance in Mexico. Whether you rent a car or drive your car over the border, you need to secure Mexican insurance or you risk arrest. [1] Americans need car insurance if they want to drive in Mexico.

“The legal minimum requirement is a third-party liability policy, ” explains Zach Lazzari, owner of Cross Border Coverage .   “For rental cars, the rental company typically sells the policy or recommends an agent. For private vehicles with U.S.-based registration, Mexican insurance is mandatory and is easy to purchase.”

You also have to have a valid driver’s license to drive in Mexico. Your U.S. driver’s license is valid in Mexico. If you drive a non-rented car, the owner of the vehicle you’re driving in Mexico must be present in the car. [1]

Looking for Mexico Car Insurance?

Where should you buy mexican car insurance.

When it comes time to buy Mexican car insurance before your road trip, Lazzari explains that you have options. “U.S. car insurance does not cross the border with the vehicle,” he says. “The vehicle owners must purchase a policy issued by a Mexican insurer.”

Some digital agencies make it easy to purchase a policy online before your trip. Insurers like GEICO and Progressive sell insurance for road trips to Mexico. If you don’t buy insurance before you leave, you may be able to buy an insurance policy at a border crossing.

Best Mexican auto insurance companies

While you can buy coverage through a Mexican insurance company, taking care of your coverage closer to home may be easier for you. Some American auto insurance providers offer car insurance that you can use when driving in Mexico through third-party Mexican car insurance companies. Here are the top car insurance companies that offer car insurance for Mexico:

Members can save on premiums and policy fees.

If you’re a AAA member, you can automatically qualify for a discount on one of its Mexico car insurance policies. Members can save up to 15% on their premium and up to 25% on policy fees. You can choose between buying coverage for just the dates of a specific trip to Mexico, or you can buy six-month or annual policies. 

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Well-established with superior ratings from A.M. Best

Pay-per-mile option available

Low customer satisfaction

Rates are merely average compared to other insurers

Change in Agency, Considering Switch

Recommend Allstate

Through Allstate , it’s possible to buy an auto insurance policy designed to support tourists older than 21 in Mexico. Allstate offers various coverage options, including:

Physical damage and theft

Bodily injury or property damage you cause to others

Medical payments for you and your passengers

Legal assistance

Loan or lease payoff for a totaled new car

Roadside assistance

Medical evacuation

You can buy up to $500,000 in coverage for bodily injury or property damage coverage for damage or injuries you cause. This policy can apply to rental cars if you rent the car in the U.S. and drive it into Mexico.

Rental Car Insurance: Do You Need It?

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Good rates for good drivers, seniors, and young drivers

Accident forgiveness available

High rates for drivers with certain violations, like DUIs

No rideshare or new car replacement coverage available

AI-Run, Money-Hungry Company

Unexpected Increase in Premium

GEICO is another American insurance company that partners with third-party insurance providers — like Grupo Nacional Provincial and El Aguila Compania de Seguros — to offer Mexico car insurance. You can buy up to $500,000 in liability insurance that can help protect you on your trip to Mexico. 

GEICO offers a few types of coverage you can choose between, including physical damage, theft, vandalism, and medical payments. You also have the option to customize your deductible and can choose a low deductible amount. To help make driving abroad less stressful, GEICO has a dedicated Mexico insurance team who can help you get the right coverage and file claims. Free roadside service is also available 24 hours a day when you buy this policy.

The General

Owned by PGC Holdings Corp., an affiliate of American Family Insurance, The General is an provides auto insurance to high-risk drivers and those with poor driving records. The company also sells homeowners, renters, life, pet, and other types of insurance. Available discounts include bundling, good student, multiple drivers, and more. The General has an A+ rating from the Better Business Bureau, and a slightly higher than expected number of complaints with the National Association of Insurance Commissioner’s Consumer Complaints Index. The company also has an A rating from A.M. Best, indicating it’s financially stable.

Competitively priced options for high-risk drivers or those with violations

SR-22 filing available in most states

Not available in all states

Mixed reviews for customer service

Disappointed

Too expensive

The General Insurance partners with ABA Seguros, SA de C.V.; ACE Seguros, S.A. de C.V.; and Grupo Nacional Provincial to offer Mexico car insurance to U.S. drivers. The following coverage is automatically included in your policy:

Liability: Up to $300,000

Medical payments: Up to $25,000

Legal assistance: Up to $25,000

Roadside assistance: Coverage levels vary

You also have the option to add physical damage/total theft and partial theft/vandalism coverage to select policies.

Liberty Mutual

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Wide range of available discounts

Many negative reviews and customer complaints

Premiums are relatively high compared to industry average

Affordable Rates

I Want to Trust My Insurance Salesman

Changing Carriers!!!

Liberty Mutual offers customizable packages for Mexico car insurance, including coverage for RVs, SUVs, motorcycles, and more. Liberty Mutual partners with MexPro to make sure you get the coverage you need to drive legally in Mexico during your upcoming trip. 

Progressive

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Rewards for good drivers

Numerous coverage options and discounts available

Higher-than-expected amount of complaints

Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Great Price Options

Progressive offers three types of Mexico car insurance policies:

Basic: This level of coverage comes with liability, travel assistance, legal assistance, and medical payments insurance.

Standard: This mid-tier Progressive Mexico car insurance includes collision and theft coverage in addition to the basic coverage. 

Extended coverage: On top of the coverage that comes with basic and standard coverage, you gain access to coverage for vandalism, partial theft, United States repair, and fixed deductibles.

As a bonus, all forms of MexPro coverage through Progressive come with roadside assistance, which can help give you some extra peace of mind when on the road in Mexico.

How much Mexican car insurance coverage should you get? 

When getting ready to drive in Mexico, you’ll want to make sure you buy a Mexican liability policy. [2] How much liability insurance you need when driving in Mexico may be different than how much vehicle insurance coverage you need in the United States. Different states in Mexico have varying liability insurance requirements, but it’s generally advisable to secure $300,000 to $500,000 worth of insurance. 

Do some research on liability coverage requirements in the areas you’ll drive in to make sure you have enough coverage. It may be wise to buy higher policy limits if you’re unsure about the exact amount of coverage you need.  

Rental car insurance coverage in Mexico

Renting a car in Mexico follows the same general process as renting a car in the United States. Lazzari says that some popular car rental agencies that operate in Mexico include ABA Seguros, El Aguila, GNP Seguros, and Qualitas.

You still must have a form of valid liability insurance when driving a rental car in Mexico. Most rental agencies provide policy options when you’re renting a car. While you must purchase liability insurance for a rental car, it may be a good idea to purchase optional coverages that help pay off any damages to the rental car itself, according to Lazzari. 

Some credit card companies offer a form of insurance coverage for rental cars, though the company may not have everything you need. When driving internationally, this type of insurance is better for covering any gaps the policy you purchased has, as it usually only kicks in after you exhaust your primary coverage. [3]  

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Other things to consider while driving in mexico .

Here are some tips to keep in mind while driving in Mexico:

Have a valid U.S. driver’s license. Don’t forget to pack your driver’s license. You’ll need a valid U.S. license in order to drive in Mexico. 

Research driving routes. Learn which routes are safe to take and which you should avoid. Poorly maintained, unsigned, and hazardous roads can put you in danger and potentially lead to a claim.

Know how to contact roadside assistance. Accidents can happen wherever you are. Make sure you know how to access roadside assistance in Mexico before you get behind the wheel. It’s also a good idea to have a list of local emergency phone numbers written down.

Have the right supplies. Pack a map and spare tire, and don’t forget to keep an eye on the gas tank so you never run out. [1]

To help you prepare for your trip to Mexico, here are answers to some frequently asked questions about Mexico car insurance.

Does your U.S. insurance cover your car in Mexico?

Your American insurance policy won’t satisfy insurance requirements in Mexico. You can ask your American insurance company if it works with any third-party Mexican insurance providers, and if you can purchase a special policy that covers you in Mexico, or if you should purchase a short-term policy from a Mexican agency. [1]  

What insurance do you need to drive your car in Mexico?

You need a Mexican liability insurance policy from a licensed Mexican car insurance company to drive in Mexico. Your U.S. policy alone won’t cover you in the event of an accident in Mexico. You need to confirm you have the right type and amount of car insurance coverage before driving in Mexico. [1]

How much is car insurance to go to Mexico?

How much car insurance for Mexico depends on the type of coverage you want, how much liability protection you choose, and how long your visit is, among other factors. You can shop around to find the right car insurance policy to meet your needs and your budget when traveling to Mexico.

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During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

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How to get Mexico car insurance

Your regular car insurance policy won't follow you if you travel to Mexico, so you'll have to get a separate policy from a Mexican insurance company to remain covered.

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Updated July 8, 2022 | 5 min read

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Table of contents

Who needs car insurance for Mexico?

Low cost mexico car insurance companies, how much car insurance do you need to travel to mexico.

Just like in the United States, Mexico requires drivers to have a minimum amount of liability insurance. However, if you're a U.S. driver planning a road trip to Mexico, your regular car insurance won't cover you once you cross the border. Mexican law requires visiting drivers to get insurance through a Mexican provider.

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Fortunately, it's not hard to get temporary auto insurance for a road trip to Mexico. Many well-known American car insurance companies have partnerships with Mexican car insurance companies. You can also get auto coverage directly from a Mexican insurance provider online or even purchase coverage at the border.

Key takeaways

You have to have a minimum amount of car insurance to drive to Mexico, just like in the United States.

Since you have to have insurance from a company licensed to write policies in Mexico, your existing insurance provider won't cover your vehicle while you're in Mexico.

You can get Mexican car insurance from a company that partners with your regular insurance provider, or buy auto insurance online or in person at the U.S-Mexico border.

Drivers in Mexico who use the country's federal highways must have third-party car insurance , also called liability insurance. This means that if you plan to take a road trip to Mexico — even for a short while — you will also need to get special car insurance.

Even if you're already insured by a U.S. company, you still need car insurance for Mexico . Under Mexican law, you're required to get auto insurance from a company that's licensed to sell insurance in the country. 

Although some insurers in the U.S. offer limited Mexican car insurance for physical damage to your own vehicle, this coverage doesn't cover third-party damage, meaning the damage you’re responsible for if you cause an accident. 

Just like your existing insurance, Mexican car insurance has two main components — bodily injury and property damage liability coverage. You can get both types of car insurance in one lump-sum liability limit, also called a combined single loss policy. The best Mexican car insurance companies also let you supplement your liability coverage with other types of insurance.

Bodily injury liability: Covers the medical expenses of another driver if you're responsible for the crash that injures them.  

Property damage liability: Pays for the damage that you cause to others' property, including their cars, buildings, fences, gates, walls, and more.

Uninsured motorist protection: Covers damages that were caused by an uninsured driver.

Medical payments: Covers medical expenses if you or your passengers are injured in a car accident in Mexico.

Legal assistance: Covers legal representation, bail,  and other associated expenses after a car accident in Mexico.

Travel assistance: If your car breaks down by the side of the road in Mexico, this covers towing, tire changes, and battery jump-starts.

Collision damage: Covers damage to your own vehicle that's caused by a collision, even if it's not with another driver.

Theft protection (partial and full): Covers the partial or full theft of your vehicle if it's stolen while you're in Mexico.

Gap coverage: If your car is totaled, gap coverage will pay you the difference between the value of the totaled car and what you still owe on your car loan or lease.

Do you need rental car insurance for trips to Mexico?

All vehicles in Mexico have to be insured, including rental cars. However, you won't need to worry about buying a policy if you're renting a car on a trip to Mexico. 

Rental insurance companies have to offer the necessary third-party liability coverage. You can also buy physical damage protection from these rental companies, though these add-ons are usually expensive.

If you're planning to rent a car in Mexico, we recommend avoiding surprise costs by getting more car insurance than what's required. Just like in the United States, some insurers specialize in coverage for rental cars . These companies offer rental car insurance endorsements for far cheaper than what coverage would cost from the rental agency. Available add-ons could include:

Excess liability coverage, including higher death benefits

Medical payments coverage for your occupants

Coverage for your legal aid and bail if you were arrested

Your credit card may not provide physical damage coverage for rental cars in Mexico like it does in many U.S. states. If it doesn't, you may also want to consider adding additional insurance in case of damage to the rental car itself from a specialty insurer.

You can get Mexican car insurance by speaking with an agent or by purchasing coverage directly from an insurer. Many insurers, including Allstate , GEICO , and Progressive , partner with Mexican insurance companies to make getting covered for a trip easy.

Although you can get Mexican car insurance at the border, it tends to be more expensive than other options. Due to the stress that might come with crossing an international border, it's likely to be more convenient for you to get insurance for Mexico ahead of time.

The easiest way to get car insurance for Mexico is by purchasing a policy online . If your insurer doesn't have a partnership with a company that's licensed to write policies in Mexico, you can still visit the websites of well-known Mexican insurers — like ABA Seguros , GNP Seguros , El Aguila Compagnia del Seguros — and get a quote within a couple of minutes.

You'll need to know the following details when you're ready to get auto insurance for Mexico:

The make and model of the car you drive

Your desired coverage limits

The amount of time you'll be in Mexico

The reason you're traveling to Mexico

Where you'll be staying while you're in Mexico

Your vehicle's VIN, plate numbers, and financing information

Can you get temporary Mexican auto insurance?

You don't need to purchase a six-month or 12-month car insurance policy for a short trip to Mexico. Unlike in the U.S., you can get short-term or temporary Mexican auto insurance — also called a Mexico tourist auto insurance policy. 

When you shop for coverage, insurers will ask about the length of your stay and match your policy's lifetime to your trip. If you decide to stay any longer, you can always add more time to your coverage.

The best car insurance company in Mexico for low-cost coverage is GNP Seguros. For a one-week stay, GNP Seguros quoted our sample driver a rate of $70 for $500,000 of combined single loss liability coverage. 

Full coverage was more expensive. For a full coverage policy, with coverage for medical payments, legal expenses, collision, theft, and more, El Aguila offered the cheapest coverage . 

Costs in U.S. dollars.

If you plan to visit Mexico any longer than a couple of weeks, it could be worth it to get a six-month policy. After two weeks, the average cost of coverage at these three companies began to get close to the six-month average.

Just like in the United States, drivers have to have a minimum amount of car insurance in Mexico. In Mexico, you have to have at least MX$100,000 (about USD$5,000) of bodily injury liability coverage. Mexican auto insurance laws also require a minimum of MX$50,000 (about $2,400) of property damage liability. 

However, you should get more than the minimum required amount of car insurance if you plan to travel to Mexico.

If you cause a car accident that leads to the death of another driver, you could be liable for damages equaling the Mexican minimum wage, which is about MX$170, multiplied by up to 5,000 days. Ultimately, this means you might have to pay more than MX$865,000 (USD$400,000) in damages after a crash — far more than the minimum car insurance required in Mexico.

Frequently Asked Questions

You can get Mexican car insurance for a short period if your trip won't be very long. Insurance providers adjust your policy's lifetime to the number of days that you're in the country. However, insurers may not offer coverage for a single day at a time. Instead, you might have to buy auto insurance for Mexico for weeks' long periods at a time.

No, authorities don't check to make sure you're insured at the vehicle. While you do have to carry car insurance in Mexico to drive legally, it's up to law enforcement officers that patrol the country's roads to check for your insurance if you were pulled over or in an accident.

Yes, all cars in the United States have to have insurance except in New Hampshire and Virginia. If you're not planning on driving your vehicle in the United States, it's still a good idea to have car insurance to protect against damage from natural disasters, animals, falling objects — including your garage caving in — and theft.

Anna Swartz

Senior Managing Editor & Auto Insurance Expert

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Expert reviewer

Britta M. Moss

Property & casualty claim consultant and expert witness

Britta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a  property and casualty claim consultant , she provides consultation and expert witness services in claim handling standards, practices, and norms.  She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement.  She is a graduate of The Ohio State University. 

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The easiest way to get Mexican Auto insurance

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They make it very easy to get Mexican insurance.

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Mexican Insurance made easy, I have used Baja Bound Mexican Insurance for all most 5 years, price ... and ease is great, luckily I have never need to use it. Recommend it highly.

Why do I need Mexican auto insurance?

Simply put, your US or Canadian insurance is not recognized in Mexico. Baja Bound provides the coverage you need when driving south of the border.

Mexican insurance features

Great rates and coverage.

Policies from 'A' rated companies to fit your travel budget

Flexible Policy Terms

Coverage from one day up to one year, including six month policies.

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Liability limits available from $100,000 to $1,000,000

Full Coverage Policies

Cover your vehicle for theft, collision, partial theft and vandalism.

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Claims are settled in U.S. dollars. Repairs may be completed in the U.S., Canada, or Mexico

We do more than just Mexican insurance, we have resources to plan your Baja adventure! Our Before You Go section includes helpful tips for crossing the border, driving directions, and more. Our Travel Guide features travel stories, wineries, and hotel guide to inspire.

So much Baja, so little time!

Baja california road & recreation atlas.

The second pressing is now in stock! We partnered with Benchmark Maps to be an official distributor of the brand new Baja Atlas.

There is an entertaining, somewhat cultish, movie amongst wine lovers called Bottle Shock. It tells of the time period in 1976 when Napa Valley became known to the world.

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Searching For Melchior Díaz

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Table of Contents

Mexican Car Insurance for U.S. or Canadian licensed vehicles while in Mexico

1. best mexico insurance advantages, 2. why best mexico insurance.

3. Why do I need Mexican Car insurance to travel to Mexico?

When traveling to Mexico in any type of vehicle registered in the United States, Canada or any other country that is not Mexico (car, motorcycle, mobile home, etc.), you must have Mexican car insurance covered by a Mexican insurer before crossing the border. (American and/or Canadian insurances are not recognized by Mexican authorities). Legislation in Mexico requires that your auto insurance coverage be from an authorized Mexican insurance company. When you travel across the border with your vehicle, you are subject to the traffic laws of the neighboring country.

4. How much does car insurance cost to travel to Mexico?

The cost of Mexico Car Insurance is determined by Mexican insurance companies. The price of the Mexican insurance company depends on the duration of your visit, the value of the car, the coverage, and the deductibles you choose. At BestMex.com, you will find the best prices for auto insurance for Mexico. Just click on Quote now! and in less than 5 minutes you will see your quotes and can buy and print your policy easily and safely.

5. What currency is used in insurance policies for Mexico?

All the amounts, premiums, limits and coverage shown in the quotes and the tourist car policies for Mexico are expressed in US dollars. When making a claim to the Mexican insurer for a loss that warrants a payment of damages or reimbursement, you can request the payment be made in US dollars, or for practical purposes you can request payment in Mexican pesos.

6. What do I need to buy Mexican Car Insurance?

The most important information is the vehicle identification number (VIN) of the vehicle you wish to cover. At BestMex.com, we make it easy to find the VIN of your vehicle with the plates (and the state of the plates). You can also look for the VIN in the vehicle registration or in the American insurance policy. Here is a list of the most common information you will need to purchase Mexican auto insurance:

List of the most common information to purchase Mexican auto insurance:

Vehicle type. the available vehicle types are cars or sedans, van or minivan, truck or pick up, suvs, rvs or recreational vehicles, and street legal motorcycles (motorcycles are insured with liability only)., actual cash value (acv) of the vehicle. to write the best value for your vehicle, we recommend searching for the current value or acv on kbb.com or nada.com ., towing or other units. if you are towing other units such as a trailer, you will also need to know the value, serial number, or id of the additional unit(s)., effective and expiration dates. the tourist auto insurance can be purchased to cover from 1 day to 365 days and can be purchased up to 180 days before your trip to mexico. if you travel to mexico often or your journey will last more than 40 days, an annual policy may be more convenient because the rates used by insurers for tourist cars are cheaper when the coverage is long-term., personal data for the mexico auto insurance:, name and address of the financier. in case the vehicle is financed, you will need the name and the address of the financial entity to write this information as a lienholder on the mexican auto insurance policy., 7. who can drive the insured vehicle in mexico.

With Mexico Car Insurance, it is not mandatory to write all the names of possible additional drivers as long as they have a valid driver's license and are over 21 years of age. If drivers are under 21 years of age, you can contact us and request authorization. However, you must know who can legally drive a foreign vehicle on Mexican territory. It is imperative to know that Mexican citizens cannot legally drive a vehicle registered in the US, Canada, or any other country that is not Mexico without being citizens or legal residents of the US, Canada, or another country that is not Mexico. You should also know the laws or rules of Banjercito (the entity that grants temporary vehicle import permits in Mexico) and Mexican laws regarding who is legally authorized to drive a foreign vehicle. The Mexican insurers Qualitas Seguros and HDI Seguros require that the driver have a driver's license issued by a competent authority in the country where the insured vehicle is registered. The Mexican insurers Mapfre México and Grupo Nacional Provincial (GNP) do not request a driver's license issued by a specific country; but keep in mind that the laws in Mexico always apply in addition to or in conjunction with the general conditions of the tourist car policy for Mexico.

8. What does Banjercito indicate in relation to the persons authorized to drive temporarily imported vehicles in Mexico?

Please take into account that the following text is only a courtesy translation and a reference since the said text was taken from a temporary vehicle import permit granted by Banjercito with a maximum return date of December 2022. Therefore, there may be updates, changes, or particular specifications:

Persons authorized to drive:

Vehicles imported by mexicans residing abroad:, vehicles imported by foreigners:, 9. how long does it take to receive a mexican car insurance policy.

After making the payment of your Mexico Car Insurance with a credit or debit card, the user will immediately view, save, print or send the insurance policy for Mexico.

10. How do I receive the Mexican car insurance policy?

After making the policy payment, BestMex.com immediately sends the confirmation of the purchase and the policy in a PDF file to the registered email in the account. It also sends a text message if the registered phone is a device capable of receiving SMS text messages. It is important to remember that after payment or at any other time later, the user can view, save, print, or send the policy purchased from the “Print Policy” option found in the “My Account” menu after entering My Account Login .

Send a copy of the insurance for Mexico in the following ways:

11. what types of vehicles can i cover in mexican auto insurance.

Most vehicles are for private or private use such as sedans, minivans, pickups or trucks, etc. However, some vehicles are not accepted depending upon the Mexican insurer.

Vehicles not accepted or excluded for insurance in tourist car policies in Mexico

12. what changes can i make to my mexico auto insurance policy, you can make the following changes to the mexican auto insurance policies., you can not make the following changes to the mexican auto insurance policies., 13. what happens if i return earlier on my trip to mexico.

If you return before your trip, you can contact us to request cancellation of your policy ; but we cannot guarantee that there will be a refund as it will depend upon the days elapsed, the policy type and the cancellation policies.

14. What to do if I require more days of coverage for my trip to Mexico?

If you realize that you need more days before the effective date, it is better to request the cancellation of your policy and buy a new one with the data required. If you require more days of coverage after the effective date of your policy, simply purchase a new tourist car policy or renew the current policy, which is very easy by following the steps in the next question.

15. How do I renew my Mexican car insurance policy?

Renewing your tourist car policy for Mexico is very easy by following these steps:

My Account Login

Use the phone number or email address registered in bestmex.com to login and continue., from the "my account" page, select the [renew policy] option., select the term (daily or annual), effective and expiration date, then press the "calculate" button., after reviewing the information, press the "i accept and continue" button. after payment, you will be able to view/print your new policy., 16. how can i cancel my mexico car insurance policy, cancellation before the effective date, cancellation after the effective date.

Going to Mexico by car? Make sure you and your vehicle are protected with Avocado's complete auto coverage.

Make sure your SUV or truck is protected while you travel in Mexico with Avocado's SUV and truck insurance.

Mexico is a great destination to bring your RV or camper. Avocado will keep it protected from liability and in the event of damage.

There's nothing like a road trip through Mexico on your favorite motorcycle. Avocado helps you avoid costly liabilities in the event of an accident or damage.

Bringing an ATV with you to Mexico? Make sure you're protected with Avocado's complete ATV coverage.

Avocado offers the broadest liability policy in Mexico, with USA-like coverage conditions.

Unlike other Mexican policies, Avocado covers your auto with comprehensive and collision, just like in the USA.

Avocado covers medical costs for you and your passengers if you're injured in a car accident in Mexico.

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Mexico Auto Insurance for U.S and Canadian Vehicles in Mexico

Liability limit recommendations due to Mexico law!

Anonymously compare cost and coverage for FIVE different Mexican insurance companies, all on one QUOTE RESULTS page. You don't have to jump around to several websites to compare. You can do it all, right here.

Once you select the quote that best meets your needs, you can issue, pay for, and print your policy online in just a few more minutes.

Besides the ease of quoting and issuing, the coverage options we provide are among the very best offered by any insurance company in Mexico.

• Cars, SUVs and Pickups

Driver's License Policy

• Power Boats and Yachts
• RVs and Travel Trailers
• Licensed Quads and UTVs
• Motorcycles

In addition to liability insurance, coverage is available for Medical Payments, Legal and Travel Assistance, Theft, Collision Damage, various natural causes of loss, and GAP.

A vehicle accident in Mexico is a criminal and civil affair. If you have an accident and do not have Mexican insurance, by law, the driver can go to jail and the vehicle can be impounded. Enjoy travel in Mexico without worrying about the consequences of an uninsured accident. Play it safe and go with Mexican insurance from motormexico.com.

It’s easy to issue your policy online in just minutes. It will help you to have the following information handy:

• Drivers License #
• Vehicle Identification Number (from your vehicle Title or Registration)
• Vehicle license plate #
• Name of U.S. insurance company, policy number, and expiration date
• A credit or debit card

Does MotorMexico.com offer the BEST COVERAGE? The Special Coverage Upgrade is generically referred to as “Extended” on our Quote Results page. When you add Special Coverage Upgrades, we believe our Mexico Auto Insurance becomes one the the best values available! Here's why...

• GAP Insurance - In event of a total loss or theft, pays up to 15% more than the vehicle’s actual cash value if the loan amount is greater than the actual cash value.
• U.S./Canadian Labor Rates - If you wish to have your vehicle damage repaired back home, this coverage pays for labor rates up to U.S. $100 per hour. (The Standard policy only pays the prevailing labor rate in Mexico, even for repairs made in the U.S or Canada.)
• Third Party Liability - The limit of 3rd Party Liability is US $300,000, with an option to $500,000.
• Lower Deductibles - The deductible for collision damage and for theft are at least $500 less than you would pay without the upgrade package.
• Deductible Waiver - If you are in an accident with an uninsured driver who is at fault, five of our insurance companies waive the $500 Collision deductible . . . your vehicle is repaired with no out of pocket cost to you.
• Vandalism - Included, i.e., the basic exclusion is eliminated, subject to the deductible.
• Partial Theft - Included, i.e., the basic exclusion is eliminated, subject to the deductible.

THE BEST COVERAGE GETS EVEN BETTER WITH MexVisit™ Travel Assistance

MexVisit Travel Assistance provides security and peace of mind. Optional MexVisit Travel Assistance helps resolve some of the worry about medical emergencies while traveling in a foreign country, but is not limited to emergency medical assistance. Following is a brief list of the highlights:

• Emergency Medical Assistance.
• Emergency Medical Transportation – land ambulance to air-evac to the nearest hospital.
• Lodging Expense During Convalescence.
• Return of Travel Companion to Place of Residence.
• Roadside Assistance – Flat tire service, out of gas, dead battery, keys locked in car, towing.
• Location and shipping of hard to find vehicle parts needed for repair.
• Vehicle Related Legal Assistance and Bail Bond.
• Legal Assistance in event of abuse by authorities or corruption.
• Assistance to cancel Temporary Vehicle Importation Permit.
• Tourism and Travel Assistance – Lost passport or credit card, emergency communications, emergency money transfer, communication with Embassies and Consulates.

It is bad enough to have a problem when you are traveling in our home country, where we know how to get help. When we have a problem in a foreign country it is even more unsettling because we may not know how to get help.

When you purchase one of our Mexican auto policies, we automatically include this robust MexVisit Travel Assistance package. This is where you get help when you need it.

Although MexVisit is automatically included in all policies, you can opt not to purchase it on the Quote Request screen. From our experience, however, it is one of the best insurance purchases we have ever seen, and one we don’t go without.

Click to see a more detailed summary of MexVisit - providing peace of mind for pennies per day!

Tourist, business traveler, or retiree, our Mexico Auto Insurance has you covered. Mexico policies are underwritten by ABA Seguros, El Águila/American Family, HDI Seguros, Grupo Nacional Provincial, Quálitas Compañía de Seguros. Coverage is subject to each company’s underwriting criteria. We list detailed information about each underwriter on our " Companies " page.

WHAT'S YOUR PREFERENCE?

We want to help you make an informed decision about the Mexico coverage that best meets your specific needs. Some people like to buy the best insurance coverage available while others prefer to buy the least expensive.

Our “Quote Results” always show you two options for each insurance company.

If you just want the minimum coverage for driving in Mexico, the “Standard” policy will probably be your choice, although you will likely be disappointed in the amount you recover if your vehicle is damaged in an accident.

If you prefer better coverage, for a slightly higher premium, we suggest the “Extended” policy that you will see on our Quote Result page. To learn more about these upgrades please visit Premium Upgrade Packages .

“The bitter taste of a bad claim experience lasts much longer than the sweet taste of a cheap policy.” ~ Author Unknown.

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Best Mexico Auto Insurance

One of the best ways to buy Mexico Auto Insurance coverage for your vehicle before driving to Mexico.

Did You Know?

If you drive to Mexico without proper Mexico Auto Insurance and you are involved in an Auto accident, and you do not have the financial means to pay for damages caused while driving in Mexico, or the proper legal advice, you can spend time in jail until the case is settled. This can take hours, days, or even weeks. Don’t take chances. It’s very easy to Quote and Buy our trusted and reliable auto insurance for Mexico online in just a few minutes.

We only work with solid and reputable multi-national insurance companies, such as:

Driving to Mexico

There are a number of reasons why millions of U.S. and Canadian citizens choose to drive to Mexico each year for vacation, business, or medical purposes. Driving to Mexico offers practical advantages. You have the flexibility to create your own schedule, unburdened by the constraints of plane, bus, or boat itineraries. The freedom to travel at your own pace eliminates the need to coordinate transportation. Moreover, the convenience of spontaneously stopping to explore towns and places adds to the overall appeal. Curious about driving in Mexico or the necessity of auto insurance for Mexico? Find answers to these questions and more at AmigoMexInsurance.com

WHAT INSURANCE IS REQUIRED FOR TRAVELING TO MEXICO?

Similar to the United States, driving in Mexico without auto insurance for Mexico is against the law. You might be wondering if your U.S. car insurance is valid in Mexico, and the answer is somewhat complex. While certain U.S. insurance providers offer limited coverage like Collision and Total Loss, typically within 30 to 50 miles south of the U.S. border, Mexican regulations mandate that you have Mexican car insurance from a Mexico-based carrier, such as the policies provided by AmigoMex Insurance. So, even if you’re just crossing the border into any border town in Mexico such as Tijuana, Mexicali or El Paso, it’s best not to take the risk and cross the border without car insurance to Mexico. You may think that driving in Mexico without Mexican auto insurance may not be an issue unless you’re involved in an accident, however, if you are at fault and responsible for any damages or injuries, the consequences could be very significant. You can be given a hefty fine beginning at $1,000 USD, your car can be impounded, you could end up in jail until any injured parties are released from the hospital or any property damages are paid, or a combination of these repercussions plus legal fees. Nothing ruins a trip like landing in jail, especially considering that you would remain in jail until the matter is settled. Even if you aren’t involved in an accident, but are caught by authorities without car insurance to Mexico due to a traffic infraction, you can still face a fine beginning at $200 USD. Also, depending on where you are in Mexico, dealing with authorities who speak English may be limited, adding a layer of complexity to the situation.

WHAT TYPE OF CAR INSURANCE IS REQUIRED IN MEXICO?

The minimum required Mexican auto insurance liability limits in Mexico vary by State. We always recommend you purchase third-party-liability, with a combined single limit of $300,000 USD or more. This is because any accident that results in the death of an individual outside your vehicle could result in a payment of up to $300,000 USD. Additionally, significant damage to your vehicle or another person’s vehicle would likely cost more than the minimum coverage limit. AmigoMex Insurance offers policies that not only meet the minimum requirements mandated by Mexican law but also provide comprehensive coverage options, including collision, fire, total theft, bodily injury, property damage, uninsured motorist, medical expenses, legal defense, bail bond, and roadside assistance. Both Full Coverage and Liability-Only policies are available. Purchasing auto insurance to Mexico online with AmigoMex is a quick and straightforward process, with your policy promptly emailed after online purchase, saving you both time and money.

ESSENTIAL DOCUMENTS FOR DRIVING INTO MEXICO

In addition to temporary auto insurance for Mexico, traveling to any country comes with individual requirements to enter that country, and Mexico is no different. When you’re traveling to Mexico you will need a passport or passport card. Passport cards are the quickest method for re-entry into the United States and are recommended by the U.S. State Department. If you plan to travel beyond the free zone, you might need a vehicle import permit. However, in the states of Baja or Sonora, no permit is required. Obtain a vehicle import permit online, at the border, or at certain Mexican consulates. Check our blog for requirements on vehicle import permits, and note that a refundable deposit is typically necessary. Carry your driver’s license with you at all times. Travelers from the U.S. and Canada staying for less than 180 days need a visitor's permit (FMM Card), while stays exceeding 180 days require a Mexican resident visa. Another crucial document is the Multiple Migratory Form, also known as an FMM (Forma Migratoria Multiple). Obtain it online before your trip or at the border. Always keep this form on you as authorities may randomly request it. Failure to present it could lead to serious consequences, including detention.

HOW TO SECURE MEXICO-BASED CAR INSURANCE

Acquiring Mexican Car Insurance is a straightforward process that requires some essential information about your vehicle, including make and model, value, desired coverage, duration of your stay in Mexico, the region you'll be driving in, whether you'll be towing anything, and if any driver is under 21. Need your car insurance for Mexico instantly? Discover the simple steps to get immediate coverage.

To obtain instant Mexican car insurance, start by providing a few details for a quick quote. Once you've received the quote, furnish the insurance company with additional information to complete the process. This ensures a swift and hassle-free experience, allowing you to travel with peace of mind and focus on enjoying your time in beautiful Mexico! While you can also purchase car insurance for Mexico before crossing the border, be prepared for premium prices and unnecessary complications when you're eager to kickstart your journey.

WHAT IS INCLUDED IN MEXICAN CAR INSURANCE AND HOW MUCH DOES IT COST?

Securing temporary Mexican car insurance is a straightforward process offering various coverage options. Tailor your coverage based on your car's value and the level of medical coverage you deem necessary. An agent can assist in determining the ideal coverage by considering medical costs in Mexico. Standard coverage options include a minimum liability limit and uninsured motorist coverage. Additional choices often encompass insurance for theft, vandalism, roadside assistance, legal fees, and bail. It's generally recommended to opt for a minimum coverage of $300,000 USD. Despite its temporary nature, having ample insurance is crucial in case of unexpected events during your travels. Mexican car insurance typically comes in different packages with daily, semi-annual, or annual pricing. Choose your payment plan based on your travel duration in Mexico. Wondering about the cost of car insurance for Mexico per day? If you're driving for a few days without plans to return within the year, daily pricing may be the most suitable option. Prices vary based on coverage amounts, but generally, expect to pay around $23 USD for one day or approximately $38-$55 USD for a weekend. Alternatively, an annual policy typically costs around $255 USD.

ESSENTIAL TIPS FOR DRIVING IN MEXICO BEYOND CAR INSURANCE

Beyond obtaining Mexican car insurance, there are several key considerations for driving in Mexico. Much like in the United States, you'll drive on the right-hand side of the road, and stoplights operate similarly. However, it's advised to avoid driving at night due to poorly maintained roads, potential hazards like potholes, and the risk of being stranded. Highways work differently than in the U.S. - including the prevalence of speed bumps and left-hand exits. In case of road troubles, reach out to the Green Angels at 078. You will likely encounter wild animals on the road, please be sure to keep an eye out for them to keep from hurting them, or you. Just like in many places in the U.S., there are free highways and toll roads. The free highways, also called la libre, are not usually maintained as well as the toll roads, or la cuota. The free highways are also not patrolled as often by police so if you do run into a problem, help may take a long time to come. City driving in Mexico can be unique, with drivers often not yielding to pedestrians, unconventional use of lanes, and obscured or absent street signs. Being aware of these aspects ensures a safer and smoother driving experience in Mexico.

DRIVE CONFIDENTLY WITH AMIGOMEX: YOUR PREMIER CHOICE FOR MEXICAN CAR INSURANCE

Embark on worry-free travels with AmigoMex – your ultimate destination for the Best Car Insurance in Mexico. Our reliable coverage and dedicated service redefine peace of mind. Experience the freedom to explore, assured that we've got you covered. Click here to get your quote and hit the road confidently!

AmigoMex Insurance , like much of the world, has been substantially impacted by the worldwide coronavirus (COVID-19) pandemic. AmigoMex is taking into account the safety of all its workers as well as the national and local governmental orders relating to the control of this disease.

As a result, a few of our facilities in San Diego and Tijuana have been closed to the public. All Amigo Mex offices and facilities are restricting access to essential personnel only. We are availabe 24 hours a day via our website, chat and office telephone numbers.

As always, we appreciate your continued support and want to assure you that we are taking the necessary steps to protect you, our employees, our operations and the services we provide.

If you have any questions please feel free to Contact Us, email [email protected] , call +1 (619) 428-4200.

MexVisit® Travel Assistance

MexVisit® is Mexpro.com's exclusive Travel Assistance product. In addition to travel, you will receive medical, roadside and legal assistance. Our daily/short-term policies also include travel medical evacuation.

A live case monitoring contact center is available 24-hours a day, 365 days a year to service you. All this and more make MexVisit® the best travel coverage in the industry.

MexVisit® Summary of Benefits:

Travel assistance, medical assistance, roadside assistance, auto liability legal assistance, personal legal assistance, travel medical evacuation, mexvisit® description of benefits:.

This is only a brief description of the coverage. Please read the terms and conditions for coverages and exclusions.

• Tourism & Travel Information.
• US State Department Travel Advisory
• Communications with Embassies and Consulates
• Emergency Communications & Messaging
• Assistance to File and Recover Lost or Stolen Documents
• Emergency Money Transfers
• Travel Agency Services
• Lost Baggage Recovery Assistance
• 24-Hour Medical Assistance
• Emergency Medical Transportation (Land and Air Evacuation)
• Transportation & Lodging Expenses for Companion
• Lodging Expenses during Convalescence
• Return of Travel Companions to Place of Residence
• Medical Repatriation of Mortal Remains
• Dental Assistance
• Glasses & Contact Lenses Replacement Assistance
• Emergency Delivery of Fuel
• Flat Tire Service
• Battery Jumpstart
• Locksmith Service
• Service & Repair Shops Referral
• Sending of Spare Parts for Repair
• Return of Vehicle if Trip is Interrupted
• Interrupted Trip Continuation, or Return to Place of Residence
• Lodging Expenses
• 24 Hour Professional Attorney Legal Assistance & Representation
• Bail Bond Assistance
• Legal Assistance in the Event of Abuse of Authorities or Corruption (police abuse)
• Assistance in canceling a Temporary Vehicle Importation Permit (TIP)
• Air Medical Evacuation to your hospital of choice in the U.S. or Canada
• Vehicle return back to your residence when Medically Evacuated
• NO out of pocket costs
• Coverage provided by TME Travel Insurance

Learn more about MexVisit® short term travel medical evacuation coverage .

Travel Medical Evacuation coverage is NOT available on our Six-Month, Annual, and driver's license MexVisit® plans. However, you can purchase Travel Medical Evacuation insurance as a separate policy .

MexVisit® Claims Information

Report the claim, [in mexico].

For MexVisit® assistance call 800-624-6491 from Mexico. For Travel Medical Evacuation call 001-888-963-4933 and press "2" at the prompt or see our claims instructions on the MexVisit® TME page .

Follow MexVisit® Instructions

[before you leave mexico].

When help arrives, have your policy, registration and drivers license available. Keep a copy of any documents, receipts or reports.

Review the status of your claim from the USA/Canada

[once back in the u.s./canada].

You can check the status of your claim after returning to the USA/Canada by calling MexVisit's toll free number 1-866-549-7008 .

Testimonial

We purchased insurance from you for a recent Mexico trip, including Mex-Visit travel assist. When our car broke down I called the 800 number and a tow truck was called for us, which came in about an hour. The driver took us to a great mechanic who fixed the problem immediately, at a very reasonable price. Less than four hours after breaking down, we were back on the road and continued safely to our destination. I don't know what we would have done without your assistance. Thank-you. The insurance representative was very helpful & reassuring at a time when I was nervous about being stranded.

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Do you need car insurance for your Mexico trip?

Yes, car insurance is required for visitors to Mexico, and your United States auto insurance policy won't be valid there. To be protected, you'll need a separate Mexico car insurance policy that covers you for liability while you're in the country. In addition to car insurance, the U.S. State Department recommends getting bail coverage — this is included on all Progressive Mexico auto policies through MexPro.

How to get temporary Mexico auto insurance

Progressive can provide you with appropriate coverage through MexPro, a specialized broker for Mexico auto insurance policies . Start your quote through us, and MexPro will help you find policies tailored to your travel plans that have all the coverage you need to be fully compliant.

How much does Mexico car insurance cost?

Temporary Mexico car insurance generally costs less than a standard policy in the U.S. Your Mexico car insurance cost will vary by insurer and be based on factors like your vehicle, how long you need coverage, and which coverages and limits you choose — much like standard car insurance cost factors . For example, the average daily rate for a Standard Coverage Mexico auto insurance policy from MexPro is $33.24 (includes liability, theft, and collision coverage), * while the average daily rate for a liability-only policy with $300,000 of coverage is $25.

MexPro offers varying periods of coverage, from one day up to a year. If you're planning a short-term trip to Mexico, you can get insurance coverage for just the period you'll be in the country. However, if you frequently cross the border for work or to visit family, you might consider a yearly plan that will protect you anytime you drive into Mexico. The cost per day of Mexican car insurance for tourists typically decreases the longer your Mexico trip is.

Get a Mexico insurance quote online or call 1-877-537-7878 to talk with a MexPro specialist.

How much is Mexican car insurance at the border?

Mexican car insurance at the border is typically far more expensive that purchasing a temporary Mexico policy ahead of time. So while it may be possible to get coverage at the border, you can save money and the hassle of purchasing at the border by getting a Mexico auto insurance policy ahead of your trip.

What kind of coverage do I need in Mexico?

The only type of coverage you're legally required to have in Mexico is liability , and you'll need to get it through a specialized insurer.  Progressive Mexico Auto Insurance by MexPro can help you get the coverage you need. Consider the Mexico equivalent of these additional auto coverages when buying car insurance for your Mexico trip:

Travel assistance

Medical payments

Legal assistance

Roadside assistance

Some plans offer the option of repairing your vehicle in the United States if it's damaged in Mexico. This means the policy will cover additional labor costs associated with having your car repaired in the U.S.

Research how much liability coverage is required in each of the Mexican states you plan to drive in. If you'll be traversing multiple states and one has a higher requirement for coverage limits, you'll need to get at least that amount.

What insurance documentation should I carry in Mexico?

When you purchase Mexico car insurance, you should receive a receipt, declarations page in English and Spanish, disclosures, claims instructions, roadside assistance instructions, and terms and conditions. Print a couple copies of everything except the terms and conditions, and take them with you.

Important note : Mexico authorities accept electronic documentation as proof of insurance, though it's suggested to have printed copies on hand. MexPro will email your documentation in one PDF document once you purchase a policy.

During your Mexico trip, carry one copy of your car insurance documentation when you're driving and keep one in a more secure place like your hotel safe. You should also be prepared to access a digital version. If you get in an accident or pulled over for a traffic violation in Mexico , show your documentation to the police as proof of insurance.

Find out the additional documentation requirements for driving into Mexico .

Rental car insurance in Mexico

If you rent a car in Mexico, you should consider buying insurance through the rental agency. You may find renting a car in the U.S. for a Mexico trip a little more difficult, since many U.S. rental agencies don't allow their cars to be driven into Mexico, or they may limit where you can travel to. If you do rent a car in the U.S. for a Mexico trip, you can buy coverage through the rental agency or check with your credit card provider to see if they offer coverage for rental cars in Mexico. Either way, make sure you research your rental and coverage options before making plans to avoid any travel headaches.

Is my car insurance valid in Mexico?

No, U.S. auto insurance policies aren't valid in Mexico. If you'll be driving in Mexico, even for a short time, auto insurance is required by Mexican law, and you could end up in jail if you're involved in an accident and don't have it. If you're found to be at fault, Mexican authorities could detain you until liability coverage for the necessary amount can be verified. Because of this, the U.S. State Department recommends adding bail coverage to your Mexico auto policy.

Learn more about international car insurance .

Quote Mexico auto insurance for your trip

• Get a quote
• Or, call 1-877-537-7878

Learn more about Mexico auto insurance policies.

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7 things to do to protect yourself when heading to Mexico

• By Mr. Digital Fingers
• Apr 24, 2024

Traveling to Mexico offers a vibrant tapestry of rich history, stunning landscapes and diverse cultures. Whether you’re planning to bask on the sandy beaches of Cancun, explore the historic streets of Mexico City or delve into the mysteries of ancient ruins in Yucatan, it’s crucial to stay safe and prepared. Here, we’ll explore seven essential strategies to protect yourself and ensure a hassle-free and enjoyable Mexican adventure.

1. Travel insurance

Protect your trip.

Before setting foot on Mexican soil, ensure you have comprehensive travel insurance . This should cover medical expenses, theft and trip cancellations. Health care in Mexico can be expensive for tourists, and with the unpredictability of travel, insurance is not just a safety net but a necessity.

2. Health precautions

Stay healthy and alert.

Vaccinations are your first line of defense against potential health risks. Consult with a travel health clinic a few months before your departure. Common recommendations include shots for hepatitis A and B, typhoid and rabies, depending on your itinerary. Additionally, always drink bottled water to avoid stomach ailments, a common issue for travelers.

3. Safety in transportation

Choose safe transit options.

When traveling between cities or within large metropolitan areas like Mexico City, opt for authorized taxi services or reputable ride-sharing apps. Avoid hailing taxis on the street, especially at night. For longer distances, consider using first-class bus lines, which are generally safer and more comfortable.

4. Secure your belongings

Keep your possessions safe.

Petty theft and pickpocketing can happen, particularly in crowded tourist spots. Use anti-theft bags or money belts, and always keep a digital copy of your important documents like your passport and travel insurance. Avoid displaying expensive jewelry or electronic devices conspicuously.

5. Respect local laws and customs

Understanding cultural nuances.

Mexico’s rich culture comes with unique laws and customs. Familiarize yourself with local etiquette and legal regulations. For instance, drug offenses are taken very seriously, and public drunkenness is frowned upon in many areas. Respecting local traditions and laws not only keeps you safe but also enriches your travel experience.

6. Be aware of your environment

Stay informed and cautious.

Keep up with local news regarding weather conditions, political climate and other issues that might affect your safety. Register with your embassy upon arrival for updates and assistance in case of an emergency. Always let someone know your itinerary and check in regularly.

7. Learn basic spanish phrases

Bridge the language gap.

While many people in tourist areas speak English, knowing basic Spanish phrases can enhance your experience and help in unexpected situations. Phrases like “¿Dónde está el baño?” (Where is the bathroom?) or “Necesito ayuda” (I need help) are not just practical but also appreciated by the locals.

Embracing Mexico: A safe and memorable journey

Traveling to Mexico can be an unforgettable experience, filled with warm hospitality, gastronomic delights and breathtaking sights. By taking the right precautions, you can enjoy all that Mexico has to offer without unnecessary risks. From securing the right travel insurance to respecting local customs and staying aware of your surroundings, these seven tips will help safeguard your journey, allowing you to focus on creating lasting memories in this beautiful country.

This comprehensive guide not only prepares you for common travel concerns but also equips you with practical tips to navigate your Mexican adventure safely and enjoyably. As you get ready to explore Mexico, remember that being well-prepared is the key to a fulfilling travel experience. Ensure your vaccinations are up to date, stay hydrated with bottled water and keep your belongings secure, blending vigilance with the excitement of exploration. So pack your bags, embrace these precautions and get ready for an incredible trip to Mexico. Whether you’re soaking up the sun on a tranquil beach, exploring ancient ruins or enjoying the bustling nightlife, your adventure in Mexico awaits, promising rich experiences and cherished moments .

This story was created using AI technology.

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• anti-theft strategies , basic Spanish , cultural immersion , environmental awareness , health precautions , local customs and laws , Mexico travel safety , safe travel tips , secure transportation , travel insurance

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AAA Santa Fe Insurance and Member Services

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We're always with you thanks to our 24-hour Roadside Assistance. If you need to jump or replace your battery, unlock your car or fix a flat tire, we can help whether you are the driver or a passenger. We offer various insurance policies including auto, home, renters, life, and more. …

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We had auto, home and umbrella insurance from AAA this past year. It was the worst insurance experience we have had in our 69 years of living. The agent, Marvin Becker, made promises he never fulfilled including quotes for higher levels of insurance and different policies. Additionallly, we were rear ended and they declared the car totaled when we were still able to drive it 50 miles home. They low balled the value of the car and it took them 6 months to pay the claim. The highest level of efficiency they exhibited was in their billing. Needless to say, we are no longer with them and would discourage anyone from ever using them. They are low cost but you can forget about service if you have a questions much less a claim. We filed a complaint with the president of AAA New Mexico and shocker - never got a response!

After 41 years of being a member My conversation about a service that had changed was not fruitful no Concern to explain what had changed just read her part and that was it insincere upsets me paying membership for 41 years and their insurance policy changed and not notify clients

COMPLETE SCUMBAGS. I went in to get a quote after being a THIRTY-ONE year member of AAA. I was treated like DIRT. Idiot "new member expert" who claimed to have worked there for "eight years" failed to be able to view my membership in their weak, feeble computer system. He actually used profanity towards me when he incompetently failed to be able to look me up in the AAA system. I HAD MY CARD WITH ME THAT STATED "MEMBER FOR 31 YEARS". These idiots LOST my business. Disgusting and offensive losers.

Indelible, sloppy service when roadside assistance was needed. Sloppy and unreliable is exactly what I expect from many businesses I'm Santa Fe based on experience but when I hhsventinsitnon the side of the road for two hours and STILL have no wrecker service, I have to submit a review. My Mom was my passenger and both of us are disabled. Fellow veterans beware.

Pretty bad customer service, specifically Donna Lopez. All happy & super helpful when you need you get a policy and then when it comes time for any work never answers phone and sends an email "sorry, we've been so busy, you can call customer service." This is exactly what I experienced with my last "agent" at AAA. I called customer service and was helped expeditiously and got exactly what I needed. Steer clear of Donna Lopez if you go to this location.

Anthony Garcia is awesome! He went well beyond the extra mile in terms of customer service, efficiency and genuine concern, and after I had gone through hours of frustrating phone calls with insurance agents who clearly didn't give a damn, he helped me to resolve an unexpected car insurance issue that was keeping me up at night. Whatever he is being paid, it's not enough!

I have had several things notarized there. The staff is so friendly and happy to help. They provide a variety of services.

Anthony Garcia deserves 10 stars for his service! He helped me obtain auto insurance and went beyond the call of duty, even calling my prior insurer to clarify details of my previous coverage. He was patient and helped me obtain the best rate and coverage. Many thanks!!

The staff is fast, friendly, and go above and beyond expectations. We use them for roadside service. Insurance and international travel. Both the sales and travel agents are the best in Santa Fe! Now they're doing car registrations too! Mind Blowing!

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More From Forbes

How artificial intelligence is changing the way you buy travel insurance.

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Artificial intelligence is changing the way you buy travel insurance. Here's how.

Artificial intelligence is transforming the way you buy travel insurance. From shopping for a policy to filing a claim, there's no part that hasn't been touched by AI.

"AI is revolutionizing travel insurance," says Greg Jung, chief growth officer for Seven Corners . "It's making it more efficient and tailored to individual needs."

Words like "efficient" and "tailored" are rare in the one-size-fits-all, bureaucratic travel insurance industry. For years, consumers had limited choices. And when they filed a claim, it took close to forever to get an answer, much less get paid.

Not anymore.

Jung says AI is doing away with that. The benefits to travelers include:

• Personalized coverage. AI can analyze vast amounts of data on traveler profiles, including travel history, preferences, and even risk factors like age and health conditions. That allows insurers to recommend customized travel insurance plans that provide the right level of coverage for each individual's needs.
• Proactive risk management. AI can analyze data to predict potential disruptions or emergencies that could impact a traveler's trip. This allows insurers to offer assistance, such as medical advice or flight rebooking assistance, in case of unforeseen events.
• Faster claims processing. AI can automate much of the claims process, verifying documents, assessing damages, and expediting settlements. Travelers can be reimbursed for covered expenses much more quickly, especially for straightforward claims.

Behind the scenes, travel insurance companies are also using AI to conduct better risk management. And there are parts of the business where travel insurance companies won't talk about how they use AI, such as in efforts to sell policies on their sites. Travel insurance companies are also hush-hush about how they are analyzing data to set rates and identify patterns in fraudulent claims data.

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This story is a long time coming. Travel insurance companies have been generally slow to adopt AI. You can see artificial intelligence in action in a few places, but in the places that matter to you — such as finding the best policy — there are still some gaps. AI won't fix everything in travel insurance, but it promises to make many things better.

What took travel insurance so long?

Why has AI been slow to catch on in the travel insurance industry? Well, it has — and it hasn't. I wrote about how Allianz was using machine learning to improve its products five years ago .

But across the industry, change has been gradual.

"Travel Insurance is highly regulated," explains Tim Dodge, vice president of marketing at Arch RoamRight . "There are strict policy definitions, communications guidelines and adjudication rules to which we must adhere. For AI to be successful in our industry, it has to be implemented carefully; improving the customer experience while maintaining regulatory compliance."

If you file a travel insurance claim and get frustrated with the time it takes to be settled, it's because of the way travel insurance is set up. There's a lot of required documentation to review in support of the claim.

Dodge says AI can potentially facilitate and speed up the claims handling process and reduce claimants' frustrations, and that's what travel insurance companies are now doing.

Where can you see AI in action right now in travel insurance?

Travel insurance companies are not waiting for the future.

Arch RoamRight’s AI chatbot has been integrated into every aspect of its customer experience, from its phone system to its website and travel agent portal. It's even used as a training tool for new hires, according to Dodge.

At Generali Global Assistance , a carefully trained chatbot helps customers obtain instant assistance, receive accurate information, and navigate policy complexities. "This digitalization empowers our agents to provide personalized support promptly," says Christopher Carnicelli, CEO of Generali Global Assistance.

Allianz Travel Insurance has been using AI to help streamline its claims process for years. It just added a new chatbot for customer support, too. "Our chatbot supports the customer during filing in the event the customer has questions or needs further assistance, and uses AI to qualify the customer’s needs to quickly get them the help they need,” explains Maggie Butler, director of customer experience at Allianz Partners USA.

At Faye Travel Insurance , an AI-powered app helps customers file claims for flight cancellations, baggage delays, and medical emergencies. The app speeds up the claims process, ensuring travelers get paid in hours instead of days. "It's part of our commitment to making travel insurance an integral and personalized part of each traveler’s experience," says Elad Schaffer, Faye's CEO.

Over time, the entire travel insurance industry will embrace AI. But there are exceptions.

Can artificial intelligence help you find the best travel insurance?

AI might help you find a better policy, but you have to know where to look. I tested the major AIs to see how they responded to a sample query, "I'm a 28-year-old woman who lives in New York. I am planning a one-week trip to Paris this summer. Please help me find the best travel insurance."

• Gemini offered two options — Generali and Travel Insured International, but did not show rates or a bookable link. The responses appeared to be based on a news article.
• Meta AI generated a succinct response citing the benefits of travel insurance with key coverage areas.
• Microsoft Copilot showed a generic "how-to" story about travel insurance based on an article I had written for Forbes.
• Hugging Face gave a generic response with advice on how to buy travel insurance.
• Perplexity offered several specific options, including Seven Corners, Nationwide and Travelex. However, it based its quotes on a story on a news site and did not offer a link to buy the policies.

Bottom line: You can't really shop for travel insurance using AI — at least, not yet.

AI doesn't work for everything in travel insurance

In the travel insurance industry, like in other places, artificial intelligence isn't the answer to everything.

For example, at INF Visitor Care , a company that sells travel insurance to those traveling to the U.S., AI is helping automate its claims system. INF applies machine learning to identify emerging trends in claims to design policies that cover customers when they need it for unexpected issues.

"It has revolutionized the way we think about pricing and policy coverages," says PK Rao, CEO of INF Visitor Care .

But when it comes to customer service, AI is not always the best solution.

"We find customers enjoy talking to a live person on chat and phone," adds Rao.

The future of travel insurance and AI is promising

Over the long term, AI promises to reshape the travel insurance business into one that works the way customers expect it to — quickly, nimbly and efficiently.

At least that's what Daniel Green, chief technology officer for Faye Travel Insurance , sees.

"Imagine a world where most insurance claims are processed in hours instead of days," he says. "A computer system can go out and collect all the documentation for you and prepare the paperwork perfectly, ready for a human to make a quick decision on whether to approve it or not."

AI also has the potential to insure you for only what you need — to give you the "perfect" policy.

"AI can prepare it in seconds based on being able to tell a computer in your own words what coverage you need, by having it translated into insurance paperwork-speak for you," he adds.

We aren't quite there yet, but we're getting close.

There's one more thing that is potentially keeping AI from changing travel insurance — and that is customers themselves.

Breanne Armstrong, who is director of insurance intelligence at J.D. Power, says most consumers understand that artificial intelligence and machine learning have a lot of potential, "but there is hesitancy."

Armstrong bases her observation on another study that J.D. Power recently conducted on banking customers and AI. Only 28% of respondents said they believe AI will make their lives better in the next three years. Roughly one-third say it will make no difference, and 17% say it will make their lives worse.

All you have to do is engage with any chatbot to understand those 17% of respondents. Talking to an AI about banking or travel insurance — or anything else, really — can quickly end in frustration.

"There are mixed sentiments," adds Armstrong.

That may well describe how people feel about travel insurance and AI. It could be great. But if it isn't implemented carefully, it could be not so great.

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