Mexican law requires all drivers to carry minimum liability coverage to drive legally. Unfortunately, most US insurance policies don’t cover you south of the US border unless you’ve purchased special add-on coverage. Luckily, when it comes to purchasing Mexico tourist auto insurance, Chubb has you covered.
There’s a lot more to Mexico than just great beaches. Unfortunately, unless you plan to pay hundreds for guided tours, you’re going to need to drive to see the sights—but your US car insurance
policy won’t cover you in Mexico. Luckily, Chubb provides a number of options for its customers, including Mexico tourist auto insurance. In this guide, we’ll explain what types of coverage you need to drive legally in Mexico, and how to get it from Chubb.
Do you need car insurance coverage to drive in Mexico?
Yes. Not only do you need car insurance, but you specifically need Mexican auto insurance to drive legally in Mexico. Your U.S. car insurance policy will not be sufficient to meet the guidelines laid out in the Mexican Federal Liability Law. To satisfy this law, you must purchase a separate Mexican liability insurance policy from a licensed Mexican auto insurance company.
RECOMMENDEDNo spam or unwanted phone calls · No long forms
What does Mexican car insurance cover?
Again, like most US states, Mexican law requires drivers to carry minimum liability coverage
to drive legally. A minimum liability policy in Mexico, called Civil Liability coverage, will include both property damage liability
coverage and bodily injury liability
coverage to pay for repairs and medical bills for the other driver if you cause an accident. Mexico’s Federal Liability Law requires that your Civil Liability policy meet the minimum wage of the Mexican state you’re traveling in multiplied by 5,000, plus funeral expenses per person. And this is just the minimum. Mexican states are also allowed to multiply this amount by up to five times. In other words, while your goal when purchasing liability coverage in the US is usually to meet the minimum car insurance required in your state
, your goal when purchasing a Mexican auto insurance policy should be to acquire the maximum amount of coverage you can. Chubb offers Mexican Civil Liability policies with liability limits up to US $1 Million CSL (combined single limit) in damages and medical expenses for the driver and occupants of the other vehicle if you cause an accident. Policies of this amount will ensure you’re covered where Mexican law is concerned, but you also need to be sure your damages are covered. That’s why Chubb auto insurance also offers a variety of other insurance products for your protection while driving in Mexico.
If you purchase Mexican auto coverage through Chubb, your liability policy will actually include more than just Civil Liability coverage. This is because Chubb policies also require policyholders to purchase coverage for medical payments
for the driver and occupants of their own vehicle. In addition, most policyholders will also be required to purchase legal assistance and bail bond coverage. You may have noticed that damages to your vehicle still aren’t covered yet. To ensure they are, you’ll need to purchase physical damage coverage. This coverage mimics the protections provided by a full coverage car insurance
policy in the US, though with some exclusions. Your insured vehicle will be protected up to the Actual Cash Value (ACV) for collision
, overturning, and glass breakage in case of an accident. In addition, some elements of what you find in typical US comprehensive coverage
policies are also included, such as protection in case of fire, electrical storms, explosion, strikes, and riots. Towing expenses following a collision are also covered by physical damage policies, but to ensure you’re protected in case of vandalism or vehicle theft, you’ll need to purchase additional coverages. As you can probably guess, a Chubb total theft policy will pay for the ACV of your vehicle if it’s stolen, but for protection against vandalism, you’ll need to purchase a Platinum policy.
A Platinum policy from Chubb expands your coverage to include partial theft and vandalism as well as uninsured motorist coverage
in case you're involved in an accident caused by an uninsured driver. In addition, Platinum policies include Platinum Assist insurance services, which offers bilingual help to drivers throughout Mexico 24 hours a day. It also extends roadside assistance
to cover you for issues like basic towing, lockouts, jump starts, gas and fluid service, and help fixing a flat tire. Key Takeaway When it comes to car insurance in Mexico, your goal should be to obtain the maximum coverage you can afford, not the minimum.
How to get a Chubb Mexican insurance policy
Before you purchase a Mexican auto insurance policy from Chubb, you need to ensure you’ve got some basic information. To purchase your policy you’ll need:
The dates you’ll be traveling to Mexico
The locations you’ll be traveling to in Mexico
Your US car insurance policy number
Your valid driver’s license
The year, make, and model of the car you’ll be driving
The VIN number for the vehicle you’ll be driving
The license plate number of the vehicle you’ll be driving
Once you have this information, if you’re a current Chubb policyholder, simply contact your insurance agent or call 1(866) 324-8222 to set up coverage for your trip. Not a current policyholder? No problem! You’ll still call the same number to set up your policy.
How much does Mexico car insurance cost?
The total cost for your Chubb Mexican car insurance policy will depend on a number of factors, including your driving record, the duration of your policy coverage, and the level and types of coverage you choose. Generally speaking, though, experts estimate policy costs to range from $50 to $80 for liability-only policies up to $150 to $200 for full coverage policies.
“Jerry
had a super simple app that was easy to navigate. And their terrific customer service made everything even easier. Plus I saved $700 in a single year.” —Lucia M.
FAQs
4.7
.jpg&w=64&q=75){kind=avatar}
