Car Insurance to Cross Into the United States: What It Covers and What It Costs

Does my Mexican insurance work in the United States?

In most cases, no. Some Mexican policies include a US "coverage extension," but many only cover damage to your own car and not liability to third parties, which is what the law requires. Check your policy or ask your insurer before you cross.

Each state sets a minimum liability requirement: injuries to other people and damage to their property. If you crash without insurance you can get a fine, have your car impounded or be required to pay for the damages out of pocket, which in the US can be very high.

Types of insurance for crossing

• Daily: ideal if you cross a few times a year. You can buy it online or at the offices next to the border crossing.
• Monthly or six-month: worthwhile if you cross several times a month.
• Annual: the best option if you cross every week for work or school.

What to check before buying

1. That it meets the minimum liability requirement of the state where you will drive (California, Arizona, New Mexico or Texas).
2. Whether it includes damage to your own car and theft, or only liability.
3. Roadside assistance and towing on the US side.
4. Whether it covers other drivers of your car.
5. The claims process: a Spanish-language phone number and hours.

In case of an accident

Call 911 if anyone is injured. Take photos, exchange information with the other driver (name, license, insurer, license plates) and report it to your insurer immediately. Do not sign anything you do not understand.

Before you leave, check the border wait times and bring all your documents.