Mexico Insurance and US Rental Cars

You might think that US rental cars automatically come insured, but you need your own liability insurance to cover them. That includes trips to Mexico requiring Mexico insurance. This blog from Schaller & Thomas Family Insurance explains what insurance you’ll need to rent a car you drive in Mexico.

Just as each state has its own insurance requirements, so does each country. US car insurance does not cover you driving on Mexico’s roads, so if you want to road trip across the border from Peoria, AZ or any other location, you need what US carriers refer to as Mexico insurance. That’s auto insurance coverage that meets Mexico’s requirements.

If you plan to drive across the border or rent a car while in Mexico, you will need a Mexico insurance policy. Many factors influence the cost of this type of policy.

  • Policies vary by carrier, so some Mexico policies cover autos, RVs and motorcycles.
  • Some policies only cover travel within a specific distance of the US border.
  • The length of time of the policy.
  • If the policy also includes legal assistance and bail coverage.
  • If the driver needs coverage for theft and vandalism, too.

Mexican auto insurance covers many of the same contingencies as US insurance, such as liability and injury to other drivers. Driving without this insurance in Mexico can result in serious penalties, including jail time in Mexico.

The US’ southern neighbor requires "proof of financial responsibility" to pay for an accident throughout its borders. The specific insurance requirements vary by area within the country, just as they do by the state in the US. In Mexico, you have to provide financial responsibility to the police if you are found at fault in an accident. Until you provide you can pay for damages, the police can detain you.

Schaller & Thomas Family Insurance in Peoria, AZ can help you obtain the Mexico insurance you need before your trip. Call or come by our office to pick up your Mexico policy before you leave on your trip south.