How Do I Insure My Car for a Trip to Mexico or Canada?
When traveling by car to Mexico or Canada, it’s important to take care of insurance beforehand, as a standard U.S. auto insurance policy may not cover driving abroad.
Mexico
U.S. auto insurance policies are not valid in Mexico, as local laws require that liability be covered by the local insurance company. In the event of an accident, a driver without local insurance can face serious legal consequences, including fines, arrest, and even jail time.
Mexican auto insurance is required for travel and covers:
- Civil liability – a mandatory requirement of Mexican law;
- Property damage and medical expenses – optional but recommended;
- Roadside assistance – some policies include towing and on-site repairs.
Where to buy insurance?
- Online in advance through companies that partner with Mexican insurers (e.g. Baja Bound, Mexpro, Sanborn’s);
- At the border – there are insurance outlets, but prices can be higher and choices are limited.
Some insurance companies also offer short-term policies (1 day to a few months) if the trip is short.
Canada
Unlike Mexico, most U.S. auto insurance covers Canada, but it’s important before traveling:
- Check with your insurer to see if coverage is valid in Canada and what risks are included;
- Obtain a Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card, which can be requested free of charge from your insurance company;
- If you want to take out additional car rental insurance (if you rent a car).
Additional tips
- Always bring your insurance documents, driver’s license and car registration with you.
- In Mexico, it is recommended to have a hard copy of your policy as digital versions may not be accepted.
- In Canada, you may need Green Card Insurance to enter if your insurer requires it.
- If you rent a car, check with the rental company to see if international insurance is included.
Insurance is an important aspect of safe travel, so it is better to understand all the nuances in advance to avoid unpleasant situations abroad.
