Northbound Insurance (Mexican Plated Vehicles in the U.S.)
Driving to the US from Mexico
Foreign vehicles in the U.S. must carry Insurance.
Whether you’re going to school in the US, doing business or simply visiting family, you need to make sure you have the correct US insurance for your Mexican vehicle.
Important Fact #1: Insurance in the United States for Mexican Cars is Required by Law
If you drive a Mexican plated vehicle into the United States you are required to carry insurance for your vehicles.
Nobody wants to pay a fortune for auto insurance in a country they rarely visit, but it’s is crucial to have the proper coverage on your Mexican vehicle every time you do visit the US or Canada if you want to stay out of legal trouble.
MexInsurance® makes getting insurance easy and affordable. Our partnership with Chubb allows us to provide you with a customizable long or short-term, but high-quality policy.
What type of insurance is required in the U.S. for Mexican vehicles?
Important Fact # 2: Each U.S. state has different minimum requirements for Northbound Tourist Auto Insurance.
Each state in the United States has its own set of insurance laws. This seems confusing at first, but if you understand a few important laws driving to the US from Mexico will feel much less complicated.
- You’re required to carry auto insurance in the United States just about anywhere you go. There are two states that don’t require you to have insurance—New Hampshire and Virginia—but they’re both far from the border and you will need to drive through other states that require insurance to get there.
- Drivers who are caught driving without a valid insurance policy can face numerous penalties. In the state of California, drivers who are caught driving without valid insurance are subject to a $100 to $200 fine for their first offense. The second offense comes with a fine of $200 to $500. Your vehicle will also be towed and impounded, which means you have to pay for the towing and pay a fee to get your vehicle back.
- If you’re involved in an accident in the state of California without valid insurance, your driving privileges may be suspended for up to four years.
- The bottom line—get insurance for your auto before driving to the US from Mexico.
Legal Requirements for Insurance on Mexican Vehicles in the Border States
In Texas, drivers must have liability insurance that pays for costs related to the accidents they cause. The minimum coverage rates include at least $30,000 per victim for personal injuries, up to a $60,000 maximum. Drivers must also carry at least $25,000 in insurance to cover property damage. This is known as 30/60/25 coverage.
California law states that drivers must carry insurance that covers up to $15,000 for personal injury/death, $30,000 for injury/death to multiple victims, and at least $5,000 in property damage coverage.
Arizona car insurance laws require the same minimum coverage levels as California with one exception: to drive a Mexican car in Arizona, drivers must have a minimum of $10,000 in property damage liability coverage, while the California minimum is $5,000.
In New Mexico, Mexico plated drivers must have liability insurance with at least $25,000 coverage for injury or death involving one victim, $50,000 for injury or death of two or more victims, and $10,000 for property damage.
Important Fact #3: The cost of an accident can exceed the amount of the minimum required insurance. You may want more US insurance than legally mandated. Consider optional and additional coverage for your Mexican vehicle.
Keep in mind that the insurance coverage mandated by law is exceptionally low, and that can leave drivers of Mexican registered cars liable for costs that exceed their insurance coverage. Most Mexican and American drivers opt to purchase extra liability coverage that protects them against civil lawsuits for costs related to property damage and personal injury.
Since our temporary policies are designed to provide you with short-term coverage when you’re traveling, it’s easy to terminate and reinstate your policy as your needs change. Chubb’s Northbound temporary auto insurance is designed to give you an easy and affordable way to get the coverage you need to drive in the US.
Chubb can cover a wide range of vehicles driving to the US from Mexico including the following:
- Vehicles which have Mexico license plates or circulation permits which were issued in Mexico
- Private passenger vehicles
- Vehicles that weigh up to 3.5 tons
- Drivers between the ages of 18-74
Getting US insurance for your Mexican car is as easy as 1-2-3
1. Gather your Mexican plated vehicle’s information.
2. Enter your auto’s information here.
3. Print your Northbound Auto insurance documents.
A Broker You Can Trust
“Insurance that’s good enough for your mom.”
—Charles Lundy, Founder & CEO
You only have to talk with Charles a few minutes to realize what’s most important to him…his son. As a single-dad, overly familiar with animated movies and math homework, he’s put his heart and soul into connecting with his son and giving him the best experiences childhood has to offer.
It’s with that same compassion and care that Charles developed MexInsurance.com. And it’s with that same commitment to offering only the best products with the most reliable Mexican underwriters, that his team of insurance specialists are able to confidently provide customers with a quality experience and a quality product.
When you ask Charles what sets MexInsurance.com apart from competitors, he explains, “It’s insurance that’s good enough for you to buy for your mom.”
Charles means it when he says he wants every customer to get the same service and quality coverage that he would buy for his own family. He wants every customer (and especially their sweet mothers) to have insurance they can really count on if it’s needed.
With a corporate background in IT at Fortune 100 companies, Charles was able to develop a seamless and extraordinarily secure online process for purchasing insurance.
Without the overhead of brick and mortar, MexInsurance.com is able to offer more quality at a more affordable price.
Our bilingual team is eager and available to assist you with all your Northbound insurance needs so you can drive legally and confidently to the US or Canada.
MexInsurance® is here to help you with your Northbound insurance needs. The insurance offers:
- 24/7 bilingual customer service
- Roadside assistance
- Legal aid (available on select policies)
Need help with a claim?
Reach out to a licensed Mexico insurance representative
or a customer service agent at our office in the United States.
Providing Legal and Financial Insurance Protection for You in Mexico
MexInsurance® is an exclusive broker of online Northbound insurance for Mexican plated vehicles. We offer custom insurance solutions from Chubb, a top Mexican insurance company.
Chubb Insurance can help you get the auto insurance you need to travel abroad safely, especially if you drive a vehicle with Mexican plates. Chances are you don’t want to pay month after month for expensive US auto insurance, and our Northbound temporary US auto insurance is the perfect solution to that problem.
You can get the coverage you need to drive safely and legally in the United States. Chubb’s temporary insurance policies are designed to be affordable and short-term, which means you get the coverage you need for only as long as you need it.
You also get all the coverage you need, which includes the legally required amount of third-party bodily injury liability coverage, third-party property damage liability coverage, and more.
Chubb also provides you with additional assistance to make your trip a little easier. Whether you have a flat tire, run out of fuel, or lock yourself out of your car, our roadside assistance service will be there to help. If your vehicle is stolen and you have to rent another one for transportation in the meantime, we’ll help pay for that. We can even provide things like lodging and legal assistance to make sure you always have help when you need it.
Chubb’s Northbound Tourist Auto Insurance has everything you need to feel safe and secure while you travel.