5 Mistakes Americans Make Buying Mexican Car Insurance (and How to Avoid Them)
Every week, we hear stories of travelers who thought they were covered in Mexico — only to find out the hard way they weren’t. Mexican insurance isn’t complicated, but there are some common traps that can cost you big time if you’re not careful.
Here are the top five mistakes Americans make — and how to avoid them.
1. Believing U.S. Insurance Covers You in Mexico
It doesn’t. Even if your U.S. carrier says you’re “covered near the border,” Mexican police won’t accept it. The only policy that counts is one issued by a licensed Mexican insurer.
2. Choosing the Cheapest Liability Coverage
Mexico has state-by-state minimums for liability. Go too low, and you may be personally responsible for the difference after an accident. The cost difference between minimum and proper coverage is usually just a few dollars a day.
3. Skipping Add-Ons That Actually Matter
Roadside assistance, bail bond coverage, and medical evacuation can make or break a trip. Don’t assume you’ll never need them — accidents and breakdowns are unpredictable.
4. Forgetting to Add All Drivers
If your spouse, friend, or teenager plans to drive, they need to be listed on the policy. Otherwise, the coverage may not apply if they’re behind the wheel.
5. Waiting Until the Last Minute
Buying at the border wastes time and often means higher prices. Worse, you might accept a bare-bones policy because you’re in a rush.
Final Word
Avoid these mistakes and you’ll have peace of mind on your trip. With SmartGringo, you can compare real policies online and buy before you even pack your bags.
👉 Skip the stress. Get insured today at SmartGringo.com.
