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.