What Type of Car Insurance Should I Buy for My Trip to Mexico

For US travelers planning a road trip south of the border, the question of what type of car policy they should buy is an important one. For travelers to Mexico, there are two main types of auto insurance typically offered by providers near them: liability coverage and full coverage. So which one is the right option for you? Let’s take a look at the differences between these two types of coverage so you can make an informed decision. 

What is liability-only insurance?

Liability coverage is legally required for all vehicles driving in Mexico. This type of coverage applies to any damages that may be caused by your vehicle, including both property damage and bodily injury to others. It doesn’t cover any damage to your own vehicle or any medical expenses you may incur as a result of an accident. The minimum level of liability coverage recommended is $300,000 USD, but it’s better for travelers to purchase higher levels for added protection. 

What is full coverage on an insurance policy?

Full coverage goes beyond the minimum legal requirement and covers both liability and damage to your own vehicle if it’s involved in an accident or has other issues while you’re on the road. This includes comprehensive and collision coverage, emergency roadside assistance, personal effects protection, and more. 

It’s also important to note that many US providers do not offer full coverage policies for vehicles being driven out of the country; they only offer liability coverage. If you want full coverage, you need to purchase a policy from a reliable provider that can offer you full coverage.

Does full coverage cover accidents in Mexico?

Full coverage policies should provide protection for accidents that occur south of the border. The exact details regarding coverage when outside of the United States should be outlined in the policy and should be consulted prior to setting out on any trip abroad. 

When purchasing a full coverage policy for your vehicle, don’t make the mistake of not reading it fully. It’s important to make sure that you are aware of any limitations and exclusions specific to an international context. Make sure that your U.S. provider is offering a true full coverage policy and not one that’s limited to liabilities.

When traveling to Mexico, where can I find a reliable provider of auto insurance near me?

If you want to drive around south of the border safely and with no worries, look no further than Oscar Padilla Mexican Insurance. Contrary to many other U.S. providers, we offer both liability-only and full coverage policies. With years of experience and customer satisfaction as our top priority, we’re dedicated to providing you with the best policies tailored just to your needs. 

We offer competitive customized premiums that match your budget and provide you with the ultimate protection - from both natural and man-made disasters - helping to ensure that you will be able to access assistance should an emergency arise on the roads. 

Whether you’re driving to visit Tulum or just plan to drive around the state capital, you’re going to be fully covered. Don’t put yourself in a position where you’ll have to get a much pricier policy at the border. Call us today and let’s devise a plan to make your upcoming trip as safe and hassle-free as possible!