If you’re planning a road trip to Mexico, whether it’s a weekend getaway to Rocky Point or an extended stay in Baja, there’s one essential thing you can’t overlook: tourist auto insurance. Many travelers assume their U.S. auto insurance policy will cover them in Mexico, but in most cases, that’s not the full story.

Why Do You Need Tourist Auto Insurance?

Mexican law requires all drivers, including tourists, to have liability insurance issued by a Mexican provider. Without it, you could face hefty fines, vehicle impoundment, or even legal trouble if you’re involved in an accident.

What Does Tourist Auto Insurance Cover?

A good policy will provide:

✅ Liability Coverage: Covers damages or injuries you may cause to others. Required by law.

✅ Physical Damage & Theft: Protection for your own vehicle in case of accidents, vandalism, or theft.

✅ Legal Assistance: Helps with legal representation if you’re involved in an accident.

✅ Medical Expenses: Covers injuries to you and your passengers.

✅ Roadside Assistance: Flat tire? Dead battery? Help is just a call away!

How to Choose the Right Policy

When selecting a tourist auto insurance policy, consider:

🚘 Coverage Limits: Ensure your policy meets or exceeds Mexico’s liability requirements.

📅 Trip Duration: Policies range from daily to annual coverage.

📍 Where You’re Traveling: Some policies have restrictions on certain regions.

Common Myths About Driving in Mexico

❌ “My U.S. insurance covers me in Mexico.” (Only a few providers offer limited coverage near the border, and it’s often not enough!)

❌ “I won’t get into an accident.” (Accidents can happen anywhere – it’s best to be prepared.)

❌ “I can buy insurance at the border.” (Yes, but you may not get the best rates or coverage options.)

Final Tips for a Safe Trip

✔️ Purchase your policy before you cross the border.

✔️ Keep a copy of your policy and emergency numbers in your vehicle.

✔️ Drive cautiously and obey all Mexican traffic laws.

En Rivas Insurance, we make it easy to get the right tourist auto insurance for your trip.