Does my U.S. insurance policy cover me in Mexico?

Understanding insurance requirements for driving in Mexico is essential, as your U.S. auto policy functions differently across the border.

• Liability Insurance (Required by Law): The government of Mexico does not recognize auto insurance policies issued in the U.S. or Canada as valid proof of liability coverage. To comply with Mexican law, you must purchase a separate Mexico Auto Liability insurance policy before you drive your vehicle into Mexico. Failure to have valid Mexican liability insurance can result in severe consequences if you are involved in an accident, including potential detention.
• Physical Damage to Your Vehicle: Some U.S. auto policies, potentially including your AAA policy, may extend physical damage coverage (Comprehensive and Collision) for your own vehicle while it's temporarily in Mexico (often limited to a certain distance from the border). However, this does not fulfill the mandatory liability insurance requirement in Mexico. Always verify the specifics of any physical damage extension with your U.S. insurance provider (AAA or other).

AAA strongly recommends purchasing Mexico auto insurance for your trip. We offer policies specifically designed to meet Mexico's legal requirements. You can learn more and get a quote by visiting the AAA Mexico Auto Insurance information page.