Mexico Adventure

Your Mexico Information Connection


Car Insurance and Taking Your Car into Mexico

Car Insurance...Don't Drive Without It

Do not drive in Mexico without first obtaining Mexican automobile insurance (your U.S. or Canadian insurance policy is not valid in Mexico).   Mexican car insurance is absolutely mandatory and can be purchased at any border crossing town and is reasonably priced.

 

If you are involved in a motor vehicle accident, then you will be detained until you have paid a suitable fine or until you have proven your innocence.    And keep in mind that even when accepting a rental car agency's insurance, the deductibles are very high (often as much as 5% of the auto's replacement cost).  Visit our Transportation page for more information about getting around Mexico.

 Taking Your Vehicle into Mexico

When you take your car across the U.S. border into Mexico, if you are traveling past the "border zone," you will need a vehicle importation permit, valid for 6 months and 6 months only.  If you try to stay longer than 6 months, the Mexican government will impose significant fines against you.

Essentially, you can only take the car you own into Mexico.  You cannot drive a friend's car (unless he is in the car and has the proper paperwork).  To receive the required permit, you will need the vehicle's original title or registration.  The name on this has to match the name on your driver's license, which you will also need.  If the car is a rental or a lease or financed, a notarized letter of permission, that you are allowed to take the vehicle into Mexico, is required from the lienholder or lending institution (good luck).  You will also need to make a guarantee payment via credit card to ensure that the vehicle leaves Mexico.  This amount is determined by the make/model and year of the car (roughly $200 to $400 USD) and is refundable when you leave the country.  The car must also return through the same customs point as it entered, or charges may accrue.

When driving in Mexico, you may be stopped by Mexican police who may solicit a bribe.  The scenario may be that they stop you for speeding even though you were traveling below the speed limit.  They may want to confiscate your license and tell you to appear in court the next day to pay a fine....and then give you the option of paying them a lesser amount instead to make the whole thing go away.  While we do not support bribery, this is often the fastest and easiest way to deal with such a situation.  To avoid being pulled over, stay on the toll roads rather than the free ("libre") roads if you can.

 

 

 

 

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