Do You Need Mexican Insurance for a Trip to Mexico Driving a Rental Car?

If you’re planning a trip to Mexico, you may think of renting a car in Denver, CO and driving across the border. Your U.S. auto insurance company may have written policy information indicating you are covered for any incidents occurring in Mexico.

This is not true. The only insurance coverage acceptable in Mexico is Mexican insurance. Some car rental companies offer Mexican insurance and others don’t. How far do you intend to drive into Mexico? You will need a temporary import permit for the rental car if you plan to drive farther than the Border Zone. The Border Zone extends about 20 miles into Mexico. The import permit will be issued for the same amount of time as your tourist permit. You will also find slightly different rules for the states of Baja California and Sonora.

You can purchase temporary Mexican auto insurance for your rental car. You will need to take proof of insurance with you when renting the car. Keep the insurance policy with your other required documents at all times while driving in Mexico. Types of insurance coverage that can be included in a Mexican rental car insurance policy include third-party liability, excess liability, medical expenses, and legal aid and bond coverage. You may also want coverage in case of vehicle theft and physical damage to the car.

Before renting a car for a trip to Mexico, check with our AFI Insurance agents serving Denver, CO. They understand Mexican insurance and legal requirements. They will be glad to explain the differences in U.S. and Mexican insurance. They will help you to meet your insurance needs when driving a rental car across the border.