Can You Use Your U.S. Policy in Mexico for Rental Cars or RVs?

If you’re planning to cross the border into Mexico with a rental car or recreational vehicle (RV), it’s important to understand how your U.S. auto insurance policy applies. Many travelers assume their current policy extends automatically, but coverage across international lines is often limited or excluded altogether.

Before you hit the road, it’s worth taking a closer look at what’s covered and what you may need to add.

What U.S. Auto Policies Do and Don’t Cover

Most U.S. auto insurance policies do not provide full coverage once you drive into Mexico. While some insurers may offer limited protection within a short distance of the border, this is generally restricted to liability only, and even that may not meet Mexican legal standards.

Here are a few key limitations:

• Liability requirements—Mexico requires you to carry liability coverage from a licensed Mexican insurer. U.S. coverage, even if extended, is generally not recognized by local authorities.

• Vehicle types—Coverage can vary depending on whether you’re driving a personal car, a rental or an RV.

• Rental contracts—Most rental agencies require proof of valid Mexican liability coverage and may offer insurance options at the counter.

How to Protect Yourself While Driving in Mexico

Consider these steps to help ensure you have financial protection while driving south of the border:

• Purchase Mexico auto insurance. Available through specialty providers or via referrals from your U.S. insurer, this type of policy may be recognized by Mexican law.

• Check your rental agreement. Find out if the rental company offers cross-border coverage or has specific restrictions.

• Ask your insurer about endorsements. Some companies offer temporary coverage add-ons for travel to Mexico, but this often excludes rentals or RVs.

Talk to an Agent Before You Go

Before heading south, speak with a local agent at World of Insurance LLC to understand your options. They can help you evaluate your current policy and explore any necessary additions or third-party coverage to keep you protected. Contact us today for the right coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.