Driving In Mexico

Mexican Auto Insurance


I know you're wondering if you really need to bother getting Mexican Insurance.  Unless you want to pay for all damages/injuries out of pocket, the answer is YES!!!  You MUST have separate Mexican car insurance.   Taking your chances without and getting in an accident, at minimum, will put you back serious time and money, and potentially, you'll even be looking at jail time.  Your policy in the US won't help nor will any insurance through your credit card, as these (at best) only cover damages to YOUR car.   ​


If you don't already have a yearly policy, order Mexican insurance online through Mex Adventure and look forward to a relaxing vacation.






In Mexico, you are guilty until proven innocent.  If you are involved in an fender bender, it's not uncommon for the other driver to leave the scene if they're uninsured.  As a foreign visitor, don't even think of trying this (they will find you, and it's often a Federal offense with heavy fines).  


If the police do become involved, you will spend a great portion of your vacation with them.  If you're found to be at fault, you will be expected to pay for the charges to the other person's vehicle and possibly damaged road barriers, signs, etc.  If you are involved in a fatal accident, you will be brought to jail until blame is assigned.  

We recommend purchasing as much liability coverage as possible, with a minimum of at least $300,000 in third party liability ($500K recommended)


Remember, no amount of insurance will help keep you out of jail if you're involved in a DUI accident.  DO NOT drink and drive!  Taxis are MUCH cheaper in the big picture!  Be forewarned.


  • Physical Damage and Theft Coverage for your vehicle

  • Third party liability coverage (damages you cause to others)

  • Medical payments for you and your passengers

  • Legal Assistance

  • Road Assistance and Travel Assistance (including Medical Evacuation)


Liability Only policies do NOT include physical damage and theft coverage for your vehicle. Liability Only policies fulfill your legal obligation in Mexico to pay for damages you cause to others (some call this your 'stay out of jail pass'), but they do not pay for damages to your vehicle. Liability Only policies are much less expensive than Full Coverage policies, but they are not recommended for vehicles that are worth more than a few thousand dollars in value.



  • Third party liability coverage (damages you cause to others)

  • Medical payments for you and your passengers

  • Legal Assistance

  • Road Assistance and Travel Assistance (including Medical Evacuation)


Driving Customs

No Parking

Tope (Speed Bump)

Do Not Enter



Thankfully, the symbols for most signs are the same, even though the words are different. 


It's commonly said that "Stop signs are merely a suggestion in Mexico."  Not for visitors.  Come to a FULL stop at each and every one, even if you see locals rolling through casually.  COUNT to 4 at each stop sign.  This is a "better safe than sorry" scenario.  

In the US, there are usually two stop indicators:  a line on the pavement and a sign.  There are no lines here.   (Quite often no pavement, either.)  In addition, the stop sign doesn't actually have to be there to be a valid stop. Look for a stop on the opposite corner or a remaining pole (no sign), and watch what other drivers are doing.  

Always practice defensive driving, let the other car go first, slow almost to a stop at corners just in case, and DO NOT DRIVE DRUNK.  

Try to avoid driving at night.  Along the highway, animals (coyote, rabbits, deer, and even cows) are not impeded by any fencing.  Within town, there are many stray dogs.  Although you'll be going much slower (most areas are around 25 mph), street signs aren't well marked, roads don't line up well, there are few reflectors indicating hazards, potholes, or curves, and hitting a surprise "tope" will rattle your teeth and your car's undercarriage.


Please also see my blog post for more info

Roadside Assistance:

For roadside assistance at any time, call 078 to reach bilingual operators that can summon help for medical, mechanical, and even criminal issues.  There's a wonderful service called the Green Angels (Angeles Verdes) funded by the Mexican Tourism department who patrol Highway 8 from Sonoyta to Puerto Peñasco from 8am - 6pm. They offer FREE bilingual assistance in case of a breakdown, accident, flat tire and even are trained in CPR and first aid. Pull your car to the shoulder and raise the hood to alert them.   You'll only be responsible for the cost of any parts, gas, etc., and if they can't get you rolling again, they'll coordinate a tow.   (A tip would be very appreciated, though.)


In addition to the 24/7 operator above, you can also reach the police for emergencies by dialing 911. 

Tourist Assistance Unit:



I'm here to help!