Is my car insurance valid in Mexico?
Mexico has some of the strictest insurance and driving regulations in the world, and U.S. auto policies are not valid in Mexico. If you'll be driving there, even for a short time, buying a Mexico auto policy is an absolute must. You'll likely end up in jail if you're involved in an accident and don't have Mexico auto insurance. Also, if you're found to be at fault, Mexican authorities may detain you until liability coverage for the necessary amount can be verified. Because of this, the U.S. State Department recommends that you add bail coverage to your Mexico auto policy.
How to get insurance when driving in Mexico
Driving your car in Mexico
Progressive can provide you with a proper insurance policy through MexPro, a specialized broker for Mexico insurance. Get a quote through us, and they will help you find all the coverages you need to be fully compliant.
Renting a car in Mexico
It's best to insure the car through the rental agency, and it's usually affordable for a few days. Driving in Mexico can be hazardous due to poor road conditions and unenforced traffic regulations, so you should consider purchasing the highest liability coverage you can afford.
Pro tips for driving in Mexico
Choose the toll roads: These are better maintained than free roads.
Avoid driving at night: Due to poorly lit roads, potholes, and carjackings, it's much safer to drive during the day.
Never drink and drive: This goes without saying in all countries, but counts double in Mexico because your insurance could be nullified if alcohol played a role in the accident.
Car insurance for Canada
Your U.S. policy automatically covers you in Canada, no matter if you're driving a rental car or your own personal car. Your policy covers you for as long as you're driving there. Plus, there's no need to notify your insurance company or anything like that.
International car insurance for Europe or other countries
Regulations and requirements can vary by country. That's why it's best to always get a policy that's specific to your country.
How to get insurance when driving in Europe or another country
Driving your car
Your best option will be to get insurance through a company that specializes in that country, especially if you're spending significant time there. This is important because requirements can vary widely at different countries, and a specialized company will help you become properly insured.
Renting a car
If you're vacationing in another country for a short time, getting coverage through the car rental agency is typically the easiest option. They can help you find a policy that meets that country's requirements.
You may also be able to get insurance through your credit card company if you're using your card to pay for a rental. Some companies may even offer insurance at no extra charge. Call your credit card company to find out if you can get insurance through them, and make sure that the country you're visiting is covered and that the policy will meet that country's requirements. Most card companies will exclude Italy and Ireland from their rental insurance coverage.
You may be able to get insurance through your credit card company.
Recommended coverages when driving in any foreign country
Auto coverage requirements will vary by country (for instance, theft protection is mandatory in Italy), but you'll want to make sure you're covered for the following:
- Physical damage to your rental car, so you aren't held liable to the rental company
- Injuries to you and other passengers in case of an accident
- Injuries and damages to other drivers and their property if you're at fault in the accident