Auto Insurance: Cross-Border Travel—Does Your Auto Insurance Cover Driving in Mexico?

For many Texas drivers, especially those living near the border, traveling to Mexico by car is a regular part of life. Whether you’re visiting family, exploring new destinations, or conducting business, it’s important to understand how your auto insurance works once you cross into Mexico.

Does Your Texas Auto Insurance Cover You in Mexico?

Most standard auto insurance policies issued in Texas provide coverage within the United States and sometimes Canada, but they typically do not extend to Mexico. While some insurers may offer limited protection for incidents that occur just across the border, this coverage is often very restricted and may not meet Mexico’s legal requirements. Mexican law requires drivers to carry liability insurance from a company licensed in Mexico, regardless of your U.S. policy.

What Steps Should You Take Before Driving to Mexico?

To ensure you’re properly protected during your trip, consider the following steps:

• Contact your auto insurance broker to review your current auto insurance policy and discuss your travel plans.
• Purchase a Mexican auto insurance policy for the duration of your stay. These policies can provide liability, collision, theft, and medical coverage that meets local regulations.
• Carry proof of your Mexican insurance while driving in Mexico, as authorities may request it at checkpoints or in the event of an accident.
• Understand the differences in coverage, such as roadside assistance or legal aid, which may be included in some Mexican policies.

Why Work With Pan American Insurance?

Our team specializes in helping Texas drivers navigate cross-border auto insurance needs. We can explain your current coverage, recommend appropriate Mexican insurance options, and ensure you have the right protection for your journey. By working with us, you can travel with confidence, knowing you’re meeting both Texas and Mexican requirements.

If you’re planning a trip to Mexico by car, don’t leave your coverage to chance. Contact Pan American Insurance today to discuss your options and secure the protection you need for safe, worry-free travel.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.