Your insurance should cover you if you drive in other U.S. states and Canada. Your policy will not cover you in Mexico because Mexico does not recognize U.S. auto liability policies.
Mexican authorities may hold drivers criminally and financially responsible for any auto accidents they cause. If you’re in an accident that results in an injury, police may keep you until they determine who is at fault. You will be asked to show you have insurance the Mexican government will accept or prove that you can pay any judgment against you.
Some U.S. insurance companies provide a free endorsement for your policy that covers occasional trips of up to 10 days and up to 25 miles into Mexico. You can buy coverage for longer stays, but it usually only covers you within 25 miles of the border. These endorsements might not meet Mexican legal requirements.
Some companies sell a Mexico tourist endorsement to attach to your policy. This endorsement extends your liability coverage to pay costs exceeding a Mexican liability policy’s limits. It covers trips of any distance and any length of time. Ask your agent which endorsements your insurance company offers.
You may also buy Mexican liability insurance from authorized agents. Check your phone book for listings of insurance agents who specialize in auto insurance for travel in Mexico. Your local agent also might be able to help you find coverage with a -licensed Mexican company.