Considerations for a car-free lifestyle in Mexico

If you have become tired of car dependency and have a lifestyle that doesn’t demand regular use of a privately-owned car, then it’s worth considering locations in Mexico which better lend themselves to using public transport.

For example, the centers of many of Mexico’s traditional colonial cities like San Miguel Allende and Guanajuato are characterized by narrow, sometimes cobbled, streets which don’t lend themselves too well to regular driving, and so walking or taking a local taxi are viable alternatives.

Other places in Mexico, like Nuevo Vallarta and Aguascalientes, are far more spread-out so owning a car is more convenient —and perhaps essential— in these types of places.

Car costs versus public transport

The cost of running a car in Mexico has been rising steadily.  Public transport costs have risen too, and whether the math works out depends on your individual situation.

People working independently or retiring to Mexico seeking simpler lifestyles have come to learn that with some adjustments to their daily routines, they can get-by without owning a vehicle here as their lifestyles can be more easily adjusted to cope without regular use of a car.

If you work from home, or if you’re retired and don’t need a car every day, you could find that adding-up the cost of using taxis or app cabs over a year may amount to less than the cost of buying and running a car. If you need a car for a weekend get-away, or a long road trip, car rental is readily available in Mexico.

Local and intercity bus services

Bus services (local and intercity buses) are plentiful, and relatively inexpensive, especially when you consider the toll fees involved in driving across long distances in Mexico. If you live in Mexico City, Monterrey, or other cities with urban train systems, you could also make use of those to get around.

Many cities have introduced ‘Metro Buses’ which are special lanes reserved exclusively for bus routes making those journeys faster than battling through traffic congestion which is increasingly common in urban areas.  If you’re not keen on using buses or metro trains, there is another alternative: local taxis.

Affordable local taxi cabs

Local taxi journeys, for example from your home into town and back, can cost just a few dollars, and local taxi firms will send a cab to pick you up from your home, office, a restaurant, supermarket, or even a street corner if you telephone them (some even have WhatsApp accounts so you can text your request).

App-Cab services are also popular here, and Uber and DiDi operate extensively across key towns and cities throughout Mexico, giving easy and direct access to a car and a driver whenever you need it if you live in one of the places served by these firms.

Shopping without a car

Shopping in Mexico without your own car can be less convenient in some circumstances, especially if you live in an urban area and shop regularly at modern supermarkets situated out-of-town; but it is do-able.

If you choose to live in a smaller town, and you’re close to the center or near local shopping centers, you might walk to the shops as local amenities tend to be grouped close together, and a taxi can carry you on longer journeys, or to bring you back home from shopping trips—bags and all.

Most modern supermarkets have a taxi rank (sitio) situated at the store’s car park, or on a street adjacent.  You can also hail an App Cab (e.g. Uber) from a supermarket.

Many supermarkets in larger Mexican cities now offer home delivery, and in some towns you can phone a local taxi firm and ask them to pick-up groceries or other goods from local stores or markets and deliver them to your home.  App cabs also offer package delivery services and are actively moving into food and grocery distribution, too.

Running your own car in Mexico

Some foreign residents in Mexico have lifestyles that make car ownership necessary.  For example, they might live far outside of the town center, or in a rural area off-the-beaten track, or they might have regular commitments like a work commute, or taking and picking-up children to a school, as well other extracurricular activities.

Running your own car is more expensive, but it offers unparalleled convenience with a degree of freedom and flexibility that no other mode of transport (even taxis) can directly replace.  Notwithstanding this, it’s surprising how many people living in Mexico arrived being fed-up with car dependency and prefer being driven around in taxis when they need transport, and take intercity buses or flights for longer trips when they are visiting friends, going to meet clients, or taking a vacation.

Car costs and maintenance

If you enjoy running your own car, you’ll find that Mexico offers plenty of infrastructure and services for car-owners.

The cost of running a car in Mexico is generally lower than in the US, Canada, and Europe, but costs are rising (including the cost of gasoline) and you can expect your private car to be significant a line-item on your annual budget.  You can learn more about driving in Mexico and the cost of car ownership on our guide to living costs in Mexico.

If you’re contemplating buying a car on credit in Mexico, be aware that car financing costs are likely to be considerably higher here than you may be used to in your home country (check details with your bank or car dealership) and any savings you enjoy in running costs might be entirely outweighed by the higher repayment costs.

Keeping a foreign-plated car in Mexico

Foreign residents who plan to bring a foreign-plated vehicle to Mexico should read this article, as there are various requirements to comply with and, under the current rules, the type of residency permit you hold determines whether you can keep a foreign-plated car in Mexico.

Also note that if you have a foreign-plated car, there are special rules for visitors and foreign residents driving foreign-plated vehicles in Mexico—as well as for Mexicans driving foreign-plated vehicles in Mexico.

Whether you bring a foreign-plated car with you, or buy a Mexican-plated car locally, you’ll need to get adequate car insurance for the vehicle.  Learn more about getting insured when you’re driving in Mexico.

Making a choice based on your needs

Everybody’s lifestyle situation is slightly different, and it might be that you begin living in Mexico without a car and later realize that you need one—or vice-versa.

If your lifestyle doesn’t demand the regular use of a car, you’ll be able to reduce your annual expenditures and many foreign residents in this situation find that they come to value public transport as a practical means of getting around.

Learn more about transport in Mexico

Mexperience publishes extensive guides and articles about getting around in Mexico.

• If you’re interested in exploring ways to reduce complexity in your lifestyle, you can learn more about simplifying your lifestyle in Mexico here on Mexperience.
• Our guides to Transport in Mexico enable you to get a good understanding of the extensive transport options available to you when you’re in Mexico.
• Our guide to driving and road trips in Mexico offers extensive insights and local knowledge about driving and managing a car in Mexico.
• Our guide to the Cost of Living in Mexico, which is updated annually, will help you to create a budget based on your individual lifestyle choices.

Permanent residents and foreign-plated vehicles

Since 2012, holders of Permanent Residency cards cannot apply for a TIP and, legally, cannot drive a foreign-plated car to Mexico.

That law stipulates that only visitors and Temporary Residents may apply for a Temporary Import Permit (TIP)—and by extension bring a foreign-plated vehicle to Mexico. Mexican nationals with foreign-plated cars who can prove that they live abroad may also apply for a TIP.

A TIP is valid for the same time period that the visitor permit or Temporary Residency card is valid, and the car must be exported and the TIP cancelled at the end of that time period.

However, since 2012, foreign residents with permanent residency cards have been driving and keeping their foreign-plated vehicles inside a vehicle “Free Zone,” and Temporary Residents living in a Free Zone who eventually changed their status to Permanent Residency have been doing the same.

Mexico’s vehicle ‘Free Zones’

Mexico has three vehicle ‘Free Zones’ along its borders that are defined areas in which drivers of foreign-plated cars do not need to apply for a TIP; they are:

• the entire Baja California peninsula;
• a defined area in the state of Sonora; and
• the state of Quintana Roo.

These zones are quasi-autonomous, and foreigners can drive their foreign-plated vehicles freely within them, without the need to apply for Temporary Import Permit (TIP).

When drivers want to take their vehicles beyond the ~25km border buffer zone and outside of one of the defined Free Zones, they must apply for and have a valid Temporary Import Permit (TIP) for the vehicle.

Driving and keeping a foreign-plated vehicle in a Free Zone

In late 2025 some drivers used Social Media to report that officers at vehicle checkpoints near La Paz, Baja California Sur, had been giving warnings to —and in some cases seized vehicles from— people driving foreign-plated cars and who held Permanent Residency cards.

The incidents, which now appear to have been isolated to Baja California Sur (there were, and have been, no reports of any vehicle seizures in the states of Baja California, Sonora, or Quintana Roo) triggered a series of events which caused some existing permanent residents to reconsider their vehicle arrangements.

The incidents also opened debates online about the legality of keeping and driving a foreign-plated vehicle in Mexico’s Free Zones, especially along the border with the US. These debates include the notion that one’s “tax residency,” not one’s immigration status, determines whether a Permanent Resident can drive a foreign-plated car inside the Free Zones.

The SAT (Mexico’s equivalent of the US IRS, also responsible for Mexican Customs) and Banjercito have not published any official comment or official guidance about the matter to date.

In absence of official guidance, it appears that Permanent Residents are continuing to drive their foreign-plated vehicles inside one of the designated Free Zones.

Driving in Mexico’s Free Zones—and beyond

If you are intending to drive a foreign-plated vehicle to Mexico:

Within the ~25km buffer zone along the border: Regardless of whether you’re a visitor, Temporary or Permanent resident; you do not need a Temporary Import Permit (TIP) and can drive your vehicle freely back and forth.

Past the buffer zone and OUTSIDE a Free Zone: If you are a Permanent Resident, you cannot apply for a TIP and you cannot drive your vehicle past the buffer zone. Only visitors and Temporary Residents may apply for a TIP. You must have a valid TIP to take a vehicles beyond the checkpoint.

Past the buffer zone INSIDE a Free Zone: Whether you are a visitor, Temporary Resident or Permanent Resident, you do not need a TIP and Permanent Residents are still driving their vehicles in these Free Zones.

Further information

You can read more about Mexico’s vehicle ‘free zones’ and the Temporary Import Permit on our guide to importing a foreign-plated vehicle to Mexico.

See also: Rules about driving a foreign-plated vehicle in Mexico.

How to identify toll roads on a map

You might not be able to travel your entire journey on a fast toll road. Online maps, including Google and Apple maps, indicate whether the road is tolled or not.

Tolled highways that run near federal roads (‘freeways’) are depicted with the letter ‘D’ after the road number.  For example, the road that runs between Mexico City and Cuernavaca is highway number 95 (a federal freeway) and the tolled road that runs ‘adjacent’ to this is 95D.

All tolled roads in Mexico follow this label protocol that enables you to choose the free road or its tolled equivalent, where a tolled highway is available on that route.

Mexico’s City’s elevated beltway

To ease Mexico’s city’s congestion, an elevated section of the capital’s beltway (Anillo Periférico) was constructed.

Colloquially referred to as the ‘Segundo Piso‘ (second floor), the project started in the early 2000s and has since been extended several times.  It now runs from the north of the capital (on the road to/from Querétaro) all the way around to the south, with an exit extension that connects with the tolled highway 95D south to Cuernavaca.

Drivers must pay a toll to use the elevated beltway using a TAG device (see section below) fitted in the vehicle’s windshield; no cash or cards are accepted at the automated ramp gateways.

Charges: Beltway toll charges (AUSUR) depend on how far you travel along the beltway and are calculated automatically based your entry and exit gates.  Online maps, e.g. Online maps, e.g. Google Maps, might show the toll fees across a route you define if it includes stretches of the capital’s elevated beltway.

Charges for toll rolls on Mexico’s national intercity highways

The total cost you’ll pay on an intercity toll road will depend on how far you travel along it. You effectively pay for your journey in parts, with payment booths set out along the highway at major towns or turnoff points.

Every time you go through a toll booth, you pay a set fee that covers your cost to the next toll/exit booth.

Charges: This online route checker gives quotes for routes between states and cities. Toll fees are also published in table format (PDF) here (CAPUFE). Intercity toll charges vary depending on the route and how long the stretch of road is to the next major town or turnoff point. Online maps, e.g. Google Maps, might show the toll fees across a route you define if it includes stretches of tolled highway.

How to pay for intercity toll roads and Mexico City’s elevated beltway

When you cross a toll booth, you’ll need to pay the corresponding fee.  Fees vary and tolls tend to go up by gradual increments throughout the year.

Credit and debits cards

You cannot use any credit or debit cards to pay your toll at the booth.  However, you can use a credit or debit card to pay if it’s linked to a TAG device on your windshield (see next section).

Cash

You can pay tolls in cash, using Mexican pesos. Foreign currency is not accepted. Toll booths are ideal places to make change, if you need it.

TAG device on windshield

You can fit an electronic ‘tag’ to your vehicle’s windshield and pass-through toll booths (and/or access Mexico City’s elevated beltway) using the automated gates.  TAG device credit can be topped up using cash (paying at stores and other retail centers) or linked to a credit or debit card.  See next section for more details.

Payment tags for toll roads and Mexico City’s elevated beltway

If you are a frequent toll road user, it makes sense to purchase a TAG for your vehicle’s windshield. If you intend to use Mexico City’s elevated beltway, you must have a TAG to access that road system as cash and cards are not accepted at the automated ramp gateways.

There are two tags you can choose from: 

• TAG IAVE, which is administered by the agency that runs the toll roads; and
• the TAG TeleVia

Both TAGs work at toll booth gates across Mexico as well as allow access to Mexico City’s elevated beltway.

You can top-up your TAG account at local participating stores and retail centers using cash or cards, or register online to link your payment card details to your TAG.

By linking your card with the TAG, your fees will be charged to the card as you cross through the gates; there is no need to ‘top-up’ and you don’t run out of credit as you travel (beyond your payment card’s limit).  Visit the websites above for details.

Mexican toll road terminology

Routes which have toll roads connecting the destinations also have a free alternative road. When you’re driving in Mexico, read the signs and follow the route for the road type you want to use. Here is a list of the three key words to look out for:

LIBRE = Free Road: Free roads are less well maintained, often single lanes each way that will take you longer to travel across. However, to see some of the ‘off the beaten track’ places, you’ll need to avoid toll roads, as they often double as “bypass roads” (see term below). It’s recommended that you don’t take the free roads after dark.

CUOTA = Toll Road: Follow this sign if you want to take the toll road to the destination to which you are traveling. Note that the highway numbers are often the same, so you can be on the right highway number, heading in the right direction, but on a free (slower) road than you’d like to be. For toll roads, follow the signs that read “CUOTA” and/or have the letter “D’ after the highway number.

LIBRAMIENTO = Bypass: Sometimes, major free roads that connect big towns and cities will give you an option to take the “Libramiento” route. This is like a toll road (and sometimes it’s part of the toll road) which, for a fee, will enable you to bypass the smaller town city if you don’t want to go there, saving you the time and hassle of getting lost. Libramientos work in the same way as toll roads, and libramientos (especially around bigger cities) might be free to all road users along certain stretches of that road.

SEGUNDO PISO = Elevated Beltway: This is the colloquial term for Mexico City’s tolled elevated beltway, most of which runs above the anillo periferico, the capital’s long-standing free beltway.

See also: Guide to Mexican Street Speak

Learn more about driving in Mexico

Mexperience offers articles with insights to help you prepare for your road trip and drive confidently in Mexico.

• Insuring your vehicle for driving in Mexico
• Importing a foreign car or other vehicle to Mexico
• Getting a Temporary Import Permit (TIP) for your vehicle
• Your Mexico road trip checklist
• Latest articles about driving in Mexico
• Guide to auto insurance in Mexico

As you make plans for your road trip in Mexico, this article provides you with a checklist of insights, local knowledge and practical tips to help you properly plan and enjoy your journey across Mexico.

Insights about driving in Mexico

Our guides to Driving in Mexico and Auto Insurance for your journeys provide you with a raft of local knowledge and tips to help you get acquainted with the driving scene here including driving techniques, toll roads, breakdowns, military checkpoints, as well as dealing with accidents and insurance claims.

Bringing your car to Mexico

You need to organize some paperwork when you plan to drive your US or Canadian-plated car to Mexico:

• How to bring a foreign-plated car to Mexico
• Acquiring a Temporary Import Permit for your foreign-plated car

Auto insurance for your road trip in Mexico

Your US or Canadian auto insurance policy won’t cover you for third party liability in Mexico.  You need to purchase a special policy to ensure your journey is properly covered and that you, your car and belongings are protected in case of an accident or other mishap:

• Learn about auto insurance for road trips across Mexico
• Get an online quote for Mexico auto insurance with MexPro

Helpful articles

For additional insights about driving in Mexico, connect to these additional articles and resources here in Mexperience

• Guide to Mexican Street Speak
• Military checkpoints in Mexico
• Dealing with car accidents in Mexico
• Toll road or freeway?

Summary of Mexico’s vehicle import rules

Here is a summary of the current rules.  Details about these rules are described below and on our related article about import permits.

• Foreign-plated vehicles can be brought to Mexico without a Temporary Import Permit (TIP), provided they remain within the ~25km (15 mile) border buffer zone and/or within one of the defined border area Free Zones.
• Foreign-plated vehicles can be driven beyond the 25km border zone and outside of the defined Free Zones by visitors and temporary residents for a defined period by using a Temporary Import Permit (TIP) that is associated with the vehicle.  The vehicle must be driven out of Mexico before this permit expires.
• Foreign-plated vehicles that stay within one of the defined ‘Free Zones’ near the northern and southern border areas do not need a TIP and can be brought to Mexico indefinitely—provided the vehicle remains legally registered in its home country.
• Permanent residents cannot apply for a TIP and thus cannot bring a foreign-plated car to Mexico although permanent residents continue to keep and drive their vehicles IF they remain inside one of the Free Zones.

Obtaining a Temporary Import Permit (TIP)

If you intend to drive your vehicle beyond the 25km border zone (checkpoints exist), or anywhere outside of a defined Free Zone (see below), you must obtain a TIP before you cross into Mexico: they are not available anywhere inside Mexico, nor at Mexico’s interior checkpoints.

The defined Free Zones are:

• the entire Baja California peninsula; and
• a defined area in the state of Sonora; and
• the state of Quintana Roo.

If you drive your vehicle outside of one of the defined Free Zones without a TIP, the vehicle is at risk of being seized and impounded.

Temporary Import Permits: Learn more about Temporary Import Permits for foreign-plated vehicles in Mexico.  They are acquired via the Banjercito website.

Visitors entering Mexico using FMM (Visitor Permit)

If you are visiting Mexico on a tourist/visitor permit, you can import your foreign-plated vehicle to Mexico using a Temporary Import Permit (TIP).

Your vehicle permit when you enter as a visitor will last for a maximum of 180 days and cannot be renewed or extended beyond this time period.

You must export the vehicle (drive it out of Mexico) before the vehicle’s temporary import permit expires. If you don’t, you’ll lose your deposit and your vehicle becomes liable to seizure and impoundment.

Entering Mexico with a Residente Temporal permit

Holders of Residente Temporal (with or without work privileges) and Residente Temporal Estudiante may import their car to Mexico using a Temporary Import Permit (TIP).

The vehicle’s permit expiry date will be aligned with your temporary residency card expiry date.  If you bring your vehicle to Mexico using a temporary residency sticker, your vehicle import permit will last for only 30 days and you’ll need to visit the local customs office when you get your residency card.  See the TIP FAQs for more details about this.

You must export the vehicle (drive it out of Mexico) before the vehicle’s temporary import permit expires. If you don’t, you’ll lose your deposit and your vehicle becomes liable to seizure and impoundment.

Learn more about routes to residency in Mexico.

Entering Mexico with a Residente Permanente permit

Foreign residents with Permanent Residency and foreign-plated cars in Mexico

Residente Permanente visa or card holders are not allowed apply for a TIP.

According to the law, foreign residents with Residente Permante status cannot apply for a TIP and keep apply for a TIP and thus cannot bring a foreign-plated car to Mexico although permanent residents continue to keep and drive their vehicles IF they remain inside one of the Free Zones.

If you:

• have a foreign-plated car in Mexico now; and
• you are living outside of one the designated Free Zones; and
• you have Residente Permanente status; or
• change your immigration status from Residente Temporal to Residente Permanente; then
• you will need to make a choice about what do to with your foreign-plated vehicle, for example:

Export your vehicle and buy a Mexican-plated car: Drive the vehicle out of Mexico, and back to its country of origin. You could sell your foreign-plated car and use the funds to purchase a car in Mexico with Mexican plates.  You can drive your Mexican-plated car to US/Canada; you simply need to buy northbound auto insurance to cover you for Third Party Liability while you’re outside Mexico. (Your Mexican insurance policy will likely cover damage and theft—check your policy for details.)

Regularize your vehicle in Mexico:  Depending on the model and age of your vehicle, you might be able to pay to “regularize” your vehicle and get Mexican plates for it using this government program. Using a Customs Broker may help to facilitate the process and help you complete all the paperwork properly.  You can buy northbound auto insurance to cover you for Third Party Liability while you’re outside Mexico. (Your Mexican insurance policy will likely cover damage and theft—check your policy for details.)

Import the vehicle using a Customs Broker: There is a process to legally import a car by paying the relevant duties and import taxes and getting Mexican plates for the vehicle.  You might need to export the vehicle and re-import it.  You’ll need a Customs Broker to guide and assist you with this process.

Defined ‘Free Zone’ rules for Sonora, the Baja California peninsula, and the state of Quintana Roo

Sonora: There is no need to apply for a Temporary Import Permit (TIP) if you plan to use your vehicle within the State of Sonora’s “Free Zone” which includes the popular cities of Agua Prieta, Bahia de Kino, Caborca, Guaymas, Hermosillo, Magdalena, Nogales, Puerto Peñasco, San Carlos, and Santa Ana (green area on map, click/tap here for full size version). If you plan to travel outside of the Free Zone and remain within the state you can get a “Sonora Only” permit.  If you intend to drive the vehicle beyond the free zone / Sonora state you will need to apply for a TIP.

Baja Peninsula: Foreign-plated vehicles driven into the states of Baja California and Baja California Sur do not require a Temporary Import Permit (TIP).  However, your US or Canadian car plates must be valid and any stickers must be kept current while the vehicle is on the Baja peninsula. If you take your car by ferry from La Paz to the Mexican mainland you will become subject to the car import rules described above.

Quintana Roo: If you’re driving from Belize into Mexico and remain within the state boundary of Quintana Roo, you do not need to obtain Temporary Import Permit (TIP). However, if you plan to drive anywhere outside of the state, it’s important to have a valid TIP to avoid problems and possible seizure of your vehicle.

Entry and exit ports

When your foreign-plated vehicle has a TIP, you don’t necessarily have to exit Mexico through the same port that you entered.  For example, you can import the car at the US border and export it through Belize, or you could enter through Nogales and exit through Laredo, etc.

Expired Temporary Import Permits

If you have a TIP and overstay beyond its expiry date, you can apply for a “Retorno Seguro” (Safe Return) program that enables vehicle owners to drive a foreign-plated vehicle with an expired TIP out of Mexico within five days of the permit being issued without the vehicle being seized if it’s stopped by police or at a checkpoint.

Information about the Retorno Seguro program can be found here:
http://m.sat.gob.mx/aduanas/vehiculos/internacion_temporal/Paginas/retorno_seguro.aspx

Lost, stolen, or abandoned foreign-plated vehicles

If you abandon your foreign-plated car in Mexico, you’ll have to pay Aduana (Mexican Customs) 40% tax on the car’s value. This rule was brought-in some while ago to discourage foreigners from abandoning or selling their foreign-plated cars and telling Mexican Customs they were lost or stolen.

There is an established process in place that prevents someone who has legitimately had their vehicle stolen (or suffered total loss of the vehicle in an accident) from having to pay the fee. Proper documentation will be required to get the TIP cancelled, so a police report has to be filed, plus special forms have to be filed with the Mexican Customs office, and the hired services of a Mexican Notary Public will be needed to formalize all the paperwork to cancel the TIP of a stolen car.  While the authorities cannot prevent you from leaving if you don’t pay the tax, failure to do so will forfeit your rights to import any other foreign-plated vehicle to Mexico in future.

Donating your vehicle to Mexican Customs

If you want to dispose of your car, there is a procedure whereby you can “donate” it to Mexican Customs; you can find more information about that here on the Mexican SAT web site.

Learn more about driving in Mexico

Mexperience offers articles with insights to help you prepare for your road trip and drive confidently in Mexico.

• Getting a Temporary Import Permit (TIP) for your vehicle
• Permanent residents and foreign-plated vehicles in Mexico
• Insuring your vehicle for driving in Mexico
• Your Mexico road trip checklist
• Dealing with minor and major road accidents
• Latest articles about driving in Mexico
• Guide to auto insurance in Mexico

Can I cancel my US or Canadian auto insurance while I’m in Mexico?

Some people who drive their foreign-plated cars to Mexico and intend to stay for extended periods —or  live here for part of the year— ask us if they are able to cancel their US or Canadian insurance policy while their Mexican auto insurance policy is in force.

The answer is that you need to keep enough insurance coverage in place to maintain the vehicle’s legal registration in your home country.

For example, most US states require that you keep a policy in force that provides at least third-party liability coverage for the vehicle.  If you completely cancel your US insurance policy, most US states’ motor vehicle departments will automatically cancel the car registration, making the vehicle unregistered, and therefore illegal to drive in any country.

When you purchase Mexico auto insurance through our partner MexPro, the insurance remains valid for so long as the vehicle remains legal to drive—and this is true for other insurers, too.

Adjusting insurance coverage as you travel and back forth between Mexico, the US and Canada

Most people who intend to stay in Mexico longer term adjust their auto insurance coverage plan to maintain the minimum legal coverage requirements while the vehicle is situated in Mexico. (Precise requirements vary – check with the state your vehicle is registered with.) Then, whenever they drive back to the US or Canada, they call their agent and add the collision and comprehensive coverages back onto their home policy. So by working with your US or Canadian car insurance agent, you can reduce/increase the coverage limits as needed and end up paying less, while still maintaining insurance and keeping the vehicle registered/legal.

For full details about how to be properly covered on your next road trip in Mexico, connect to our Mexico Auto Insurance Guide, from which you can also link to live quotes and arrange your cover online through our partners, MexPro.

Learn more about driving in Mexico

Mexperience offers articles with insights to help you prepare for your road trip and drive confidently in Mexico.

• Insuring your vehicle for driving in Mexico
• Importing a foreign car or other vehicle to Mexico
• Getting a Temporary Import Permit (TIP) for your vehicle
• Your Mexico road trip checklist
• Latest articles about driving in Mexico
• Guide to auto insurance in Mexico

Importing foreign-plated vehicles to Mexico

This section contains key questions and answers related to bringing a foreign-plated car or other vehicle to Mexico, with links to detailed information and helpful assistance services.

Learn more about driving in Mexico

Mexperience offers articles with insights to help you prepare for your road trip and drive confidently in Mexico.

• Importing a foreign car or other vehicle to Mexico
• Getting a Temporary Import Permit (TIP) for your vehicle
• Insuring your vehicle for driving in Mexico
• Your Mexico road trip checklist
• Latest articles about driving in Mexico
• Guide to auto insurance in Mexico

However, even the best maintained vehicles can experience sudden failure when you’re on the road in Mexico and you’ll need to deal with the situation, whether you’re in the middle of a town or city or on a (remote) highway.  This article shares some practical tips and advice for dealing with vehicle breakdowns.

‘Angeles Verdes’ (Green Angels) on Mexico’s highways

On Mexico’s interstate highways, Angeles Verdes (Green Angels) patrol the roads, looking for broken down vehicles, and helping with minor repairs and, surprisingly frequently, selling fuel.

• They ride green-and-white colored trucks (thus the name); sometimes it’s a tow truck, and will provide free help, although they will charge for fuel if you need it, as well as any car parts.
• They’ll arrange to tow you to the nearest town if the situation calls for that. It’s appropriate to tip the mechanic(s).
• Angeles Verdes can help with immediate repairs and fuel, but their service does not substitute the coverages offered by an insurance based roadside assistance plan—that, in addition to mechanical support can also include rental car provision while your vehicle is being repaired, and repatriation in the event your vehicle becomes undriveable.

Dealing with roadside breakdowns

Dealing with a vehicle breakdown in Mexico will depend on where you are and what cover you have in place to help you.

• There is no better coverage in a breakdown situation than to have a team of mechanics and recovery vehicles prepared to come to your aid when your vehicle fails in Mexico.
• We recommend that when you purchase auto insurance you choose a policy that includes breakdown coverage and roadside assistance. This is especially helpful if you are on a remote highway and/or it’s nighttime..
• If you are in a large town or city when your vehicle fails, someone may come to your aid to help you move the vehicle to the edge of the road while you wait for breakdown assistance to arrive.
• If your vehicle is rented and the rental agreement includes breakdown coverage, call the rental car agency and ask them to mobilize their breakdown service.
• If you are on a major highway, especially toll-roads, a patrolling vehicle from the Angeles Verdes might find you and help you (see note above).
• If you have roadside breakdown coverage as part of your auto insurance coverage, you can instead contact the insurance helpline and have assistance sent to directly your broken down vehicle.
• Note that cell phone coverage can be scarce on remote roads across Mexico. Tolled highways have wired phones posted every few miles. If you are on a non-tolled highway, and there is no cell phone coverage, you may need to walk to find a cellphone signal or walk back to the nearest town or village to summon help.

Roadside breakdown and medical coverages

Good insurance brokers offer a comprehensive range of additional support services, which are sometimes part of the offer and sometimes sold separately. The two most important ones are:

Breakdown coverage

If your car breaks down while you’re driving in Mexico, roadside recovery will provide you with the essential support you need to get your car repaired and mitigate risks of becoming stranded.

Roadside assistance may include things like delivery of emergency fuel, towing services, dealing with flat or damaged tires, locksmith support, jumpstart assistance, and provision of lodging and a rental car while you wait for your vehicle to be repaired, and repatriation to your home country in the event of a write-off.

Medical assistance

a policy that provides medical coverage will provide round-the-clock medical assistance on your road trips, including in the event of a serious accident, land and air medical evacuation and coverages to support you and your travel companions, for example with accommodations and transport while you convalesce.

Arrange breakdown coverage

Mexperience’s auto insurance associate offers a comprehensive range of additional services that provide peace of mind when you’re taking a road trip in Mexico, including roadside breakdown and travel assistance, and medical coverages that can include medical evacuation.

Learn more about driving in Mexico

Mexperience offers articles with insights to help you prepare for your road trip and drive confidently in Mexico.

• Insuring your vehicle for driving in Mexico
• Importing a foreign car or other vehicle to Mexico
• Getting a Temporary Import Permit (TIP) for your vehicle
• Your Mexico road trip checklist
• Latest articles about driving in Mexico
• Guide to auto insurance in Mexico

In a related article, we explained the procedures for bringing a foreign-plated vehicle to Mexico.  This article provides a detailed list of FAQs about an essential document you need to obtain when you drive your vehicle to Mexico: a Temporary Import Permit, or TIP.

What is a vehicle Temporary Import Permit (TIP)?

A TIP is legal document that allows a foreign-plated vehicle to be imported to and driven in Mexico for a defined period of time.  The vehicle must be exported (driven out of Mexico) before the TIP’s expiry date.  If you fail to export the vehicle and surrender/cancel the TIP, you will lose your deposit, you will not be allowed to import another vehicle in future; and you can also face fines and have your vehicle seized/impounded.

Who needs a TIP?

Anyone who wants to bring a foreign-plated vehicle into Mexico and drive it outside of the Free Zones.

The Free Zones are:

• within ~25km of the land border;
• the entire Baja California peninsula;
• a defined area in the northern state of Sonora; and,
• the southern state of Quintana Roo.

If you intend to drive your car beyond the 25km border zone (checkpoints exist), or anywhere outside of a defined Free Zone, you must have a TIP to avoid fines and possible seizure/impoundment of the vehicle.

Who can apply for a TIP?

Visitors entering Mexico under the auspice of a Visitor permit (FMM) and holders of a Residente Temporal residency visa/card may apply for a TIP.  People with Residente Permanente status cannot apply for a TIP.

Who issues the TIP?

The Temporary Import Permit (TIP) for foreign-plated vehicles is issued only by Banjercito, and by a limited number of Mexican Consulates (see below) who act as facilitators for Banjercito.  No other companies or agencies are authorized to issue the TIP and you should never deal with anyone other than Banjercito when buying or cancelling a TIP.

How do I buy a TIP?

You can purchase a TIP in advance online, or at certain Mexican Consulates in the US, or you can purchase a TIP in person at a Banjercito office situated at major land crossing points.  The TIP carries an administrative fee, and you’ll also be required to leave a deposit. (The size of the deposit varies depending on the age of the vehicle.)  You will lose the deposit if you fail to export (drive out) the vehicle from Mexico before the TIP’s expiry date, or violate any other rules related to the TIP.

How long is a TIP valid for?

A TIP is tied to your immigration document and its expiry date will be tied to the expiry date on your immigration document.

Entering with a Visitor Permit: If you enter Mexico under the auspice of a FMM (Visitor Permit) this is valid for a maximum of 180 calendar days from the date of your entry to Mexico.

Entering with a Residency Card: If you enter Mexico with your foreign plated vehicle under the auspice of a Residente Temporal card, the TIP will be valid for as long as the temporary residency status remains current.

Entering with a Residency Visa Sticker: See the section below titled: How does a TIP work when I arrive in Mexico with a Residente Temporal Visa? that describes the procedure involved if you bring a foreign plated vehicle to Mexico when you have a Residente Temporal sticker in your passport, and have not exchanged that for a residency card yet.

How many vehicles can I import to Mexico using a TIP?

Only one vehicle can be imported into Mexico per person. If you are traveling with your spouse or adult child (18 years or older), they may each register one car in their name.

There is one exception to the one-person, one-car rule: If you tow a car behind your RV, there is no need for second person to be traveling with you; but you must show proof of ownership for both vehicles, and both vehicles must be taken out of the country together when you leave.

A trailer does not count as a vehicle, but you need to show ownership of it and it must be exported with the vehicle towing it when you leave Mexico.

Motorcycles, ATVs, etc. If you are towing or carrying other single passenger motorized vehicles, these may be registered with the car that is towing or carrying them. You must show proof of ownership of all vehicles and you can only bring up-to three single-passenger vehicles—one each for up to three passengers traveling in the main vehicle. All vehicles must be exported together when you leave Mexico.

Can I leave Mexico if I have a foreign-plated vehicle here with a TIP?

When you bring your foreign-plated vehicle to Mexico, your TIP’s expiry date will either be tied to a Visitor Permit (FMM) or to a Temporary Residency Permit.

Whether you your TIP is tied to a Visitor Permit (FMM) or your Residente Temporal permit, you can leave Mexico without your vehicle and the vehicle will remain legal in Mexico for so long as the TIP remains current (not past its expiry date).

The TIP’s expiry date is tied the expiry date of the Visitor Permit or Residente Temporal permit you used when you brought your car to Mexico with its TIP.

You can leave Mexico (e.g. fly out) using your Visitor Permit (or Residente Temporal permit) to exit the country; you can get a new Visitor Permit when you return, or use your Residente Temporal card to re-enter Mexico in the usual way.  However, the expiry date on your TIP will not change and you must drive the vehicle out of Mexico before the TIP expires.

If you don’t drive the vehicle out of Mexico before the TIP’s expiry date, the vehicle will become illegal in Mexico and:

• the insurance coverage will become invalid;
• your vehicle may be confiscated and impounded; and
• you will lose the deposit you paid to Banjercito.

The TIP’s expiry date is tied to the expiry date on the FMM you used when you first entered Mexico with your vehicle, or the expiration date of your temporary residency permit—cross check your TIP documentation for details.

What documentation is needed to get a TIP?

To apply for a TIP, you will need to be in possession of certain supporting documentation.  We recommend you carry two black-and-white copies of each of these documents when you drive to Mexico:

• A valid passport, or passport card;
• Your Mexican immigration permit: if you are visiting Mexico as a tourist this will be your FMM; if you are a resident, your Residente Temporal visa or card.
• Residente Permanente visa/card holders are not allowed apply for a TIP;
• A non-Mexican driver’s license (with photo);
• Original and photocopy of the title and registration of the vehicle issued by a foreign authority in the applicant’s name. If the title or registration is in the name of a spouse, a marriage certificate must also be presented. Only the titled owner of the vehicle and/or their spouse can get a TIP;
• Proof of temporary Mexican auto insurance for the vehicle.

What if the vehicle is rented, leased, financed, or owned by a company?

If the vehicle you intend to drive into Mexico is not registered in yours or your spouse’s name, you will also need the following documentation to accompany your application:

Rented vehicles: If a rental car company allows you to drive one its vehicles into Mexico, you will need a notarized letter of permission from the rental car company.

Leased vehicles: If the vehicle under lease, you will need to show the lease contract and a notarized letter of permission from the leasing company.

Financed vehicles: If the vehicle is under a finance arrangement, you will need to show the credit contract and notarized letter of permission from the finance company giving permission for the car to be driven to Mexico.

Company car: If the vehicle is owned by a company (a company you own or a company you work for) you will need a notarized letter of permission (on headed paper) confirming the employment relationship and authorizing the employee to drive the vehicle into Mexico.

What is the TIP application procedure?

When you have your documentation gathered, you can begin to make the application for your vehicle’s TIP:

Where: You can apply online, or go to one of a defined list of Mexican Consulates in the US, or you can apply in-person a Banjercito office near one of the main land border crossings.

Declaration: You will be asked to sign a declaration, pledging to export the vehicle within the period for which the permit is valid and not disobey any other regulations related to the issuance of the TIP.

Payment: There is an administrative fee of around US$50 that can be paid with cash, or a non-Mexico issued credit card.  You cannot use a Mexico-issued credit card for this purchase; whether buying online or in-person.  The name on the card must match the name of the person on the TIP.

Deposit: In addition to the administrative fee, you will need to pay a deposit of a few hundred dollars, precise amount depends on the age of the vehicle.  The deposit is refunded if the TIP is canceled/surrendered before its expiry date and no violations have taken place. It can take some days or weeks for the refund to be returned to a credit card after cancelling/surrendering the TIP.

Where can I buy a vehicle TIP?

Buying online

You can still obtain a TIP in-person at the border but applying for the TIP via the Banjercito Website will speed the process and avoid potentially long lines at the border.

Note: If you apply online, you must first get your FMM online (or have your Temporary Residency visa or card issued) before you obtain the TIP.  When you get your FMM online, you must stop at the border and get immigration (INM) to stamp/validate the document.  Carry a printed copy of the FMM (or passport stamp) and your receipt to show proof of payment when you do this.

When approved, you will receive your TIP by email.  Print out your TIP and receipt and keep the printed copies with you while driving in Mexico.  Keep and use the email version only as verification of your TIP approval.

Buying in person at the Land Border

Temporary import permits may be purchased at CIITEV offices located at Customs offices near various U.S./Mexico border locations in Arizona, California, New Mexico and Texas.  Check beforehand that the crossing you use has a CIITEV office.  When you apply in person, Banjercito will send an email with your TIP and hand you a printed copy of the TIP and your receipt.  Keep the email and paper copies to hand at all times while driving in Mexico.

Buying a TIP at a Mexican Consulate

A limited number of Mexican Consulates in the United States offer a TIP-issuing service.  Although the Consulate acts as facilitator, it is Banjercito that issues the permit.  Consulates in the following US States offer TIPs. We strongly recommend you contact the consulate beforehand to ensure that their TIP issuing service is currently available.

• Arizona: Phoenix
• California: Los Angeles, San Bernardino, Sacramento
• Colorado: Denver
• Illinois: Chicago
• New Mexico: Albuquerque
• Texas: Austin, Dallas, Fort Worth, Houston

How do I surrender and cancel my TIP when I drive out of Mexico?

A TIP must be cancelled and surrendered before its expiry date.

Once you have a TIP issued, the person whose name is on the register must drive the vehicle out of Mexico before the TIP’s expiry date and stop at the border to cancel/surrender the TIP.  This action notifies the Customs authority that you have exported the vehicle and complied with the rules.

If you do not stop at the land border and cancel/surrender your TIP (or forget), you will need to drive the vehicle back to a land border crossing to cancel the TIP.  You do not have to exit Mexico from the same port as you entered to cancel your TIP, but you must visit an approved Banjercito office to undertake the procedure.  Not all border crossings have a Banjercito office, check beforehand.

Your deposit will be refunded provided you have not overstayed in Mexico beyond the TIP’s expiry date and that you have not violated any conditions of the TIP.

What happens if I forget to surrender my TIP at the border?

You should always surrender your TIP, unless you plan to come back to Mexico in short order while the TIP remains current (not expired).

If you didn’t surrender your TIP before its expiry date, you will probably need to drive the same car back to a border crossing (it does not have to be the same one you entered through) and surrender it.

There are fees, penalties, and paperwork involved: it’s always best to surrender your TIP at the border.

What happens if I change from Residente Temporal to Residente Permanente while my foreign-plated car is in Mexico?

If your foreign plated vehicle is in Mexico when you exchange your temporary residency card for a permanent residency card you will need to export (drive the car out) from Mexico.

See How to bring your foreign-plated car to Mexico for more details about the options you have in this situation.

How does a TIP work when I arrive in Mexico with a Residente Temporal Visa?

There’s an additional procedure to take into account if you enter Mexico with a TIP and a Residente Temporal sticker in your passport. If you don’t undertake this procedure your car will not become illegal, but you will lose the deposit you left with Banjercito.

If you have been granted temporary residency in Mexico and have a Residente Temporal visa sticker in your passport (before you are issued the residency card) your TIP and FMM will have a 30 day limit documented, because this is the time frame you have to submit the paperwork to exchange your visa sticker for a residency card. If you already have a Residente Temporal card when you get your TIP this situation will not arise.

If you have the 30-day limit on your TIP, you need to go the immigration office nearest to your address in Mexico and process the paperwork for the exchange of your visa sticker for a residency card.  When you submit the paperwork, you will be given a printed receipt showing a NUT (Número Único de Trámite) reference.

Before the 30-day expiry date, you then need to go to your nearest Customs (Aduana) office, and present them with a letter (in Spanish) explaining that your residency card is in the process of being prepared, and give them a photocopy of the NUT receipt, and a copy of your passport.

When your card is issued, you will need to also give them a photocopy (front and back) of the residency card.  If the office where you are making the residency visa to card exchange gives you your residency card within the 30-day window, you can undertake this procedure in one visit to the Customs office once you have your residency card, with a letter explaining that your residency card is issued, and enclosing a copy of it.

If however the immigration office takes longer than 30 days to issue your residency card, you will first need to submit the letter stating you have applied for your residency card, a copy of the NUT receipt and your passport, and then return with a copy of your residency card when when it’s issued to you.

Once you have submitted the copy of the residency card to the Customs (Aduana) office, your TIP expiry date will become aligned with your Residency Card’s expiry date.

What if my foreign-plated vehicle is lost, stolen, or I abandon it in Mexico?

If you abandon your foreign-plated car in Mexico, you’ll have to pay Aduana (Mexican Customs) 40% tax on the car’s value. This rule was brought-in some while ago to discourage foreigners from abandoning or selling their foreign-plated cars and telling Mexican Customs they were lost or stolen.

There is an established process in place that prevents someone who has legitimately had their vehicle stolen (or suffered total loss of the vehicle in an accident) from having to pay the fee.

Proper documentation will be required to get the TIP cancelled, so a police report has to be filed, plus special forms have to be filed with the Mexican Customs office, and the hired services of a Mexican Notary Public will be needed to formalize all the paperwork to cancel the TIP of a stolen car.

While the authorities cannot prevent you from leaving if you don’t pay the tax, failure to do so will forfeit your rights to import any other foreign-plated vehicle to Mexico in future.

Donating your vehicle to Mexican Customs

If you want to dispose of your car, there is a procedure whereby you can “donate” it to Mexican Customs; you can find more information about that here on the Mexican SAT web site.

Some important points to note about Mexico’s vehicle Temporary Import Permits

• TIPs cannot be extended or renewed. If you don’t export the vehicle (drive out) from Mexico before the expiry date and cancel the TIP, you lose the deposit you left at Banjercito and if you never cancel the TIP you’ll find it very difficult to import another foreign-plated vehicle to Mexico.
• Only holders of a visitor permit (FMM) and a Residente Temporal visa/card may obtain a TIP.
• Residente Permanente visa/card holders are not allowed apply for a TIP—also see the FAQ above about changing from temporary to permanent residency.
• When your TIP is issued, you can drive the car back-and-fro across the land border provided the TIP remains valid.
• You cannot cancel/surrender or obtain a new TIP anywhere within Mexico.
• You cannot cancel/surrender a TIP online. The person who is named on the TIP must be present the vehicle physically at a Banjercito office at the border to undertake the cancellation procedure.
• If your vehicle has not been physically returned to a Banjercito office at the border and the TIP cancelled/surrendered, a new permit cannot be issued for that person or vehicle.
• Hybrid and Electric vehicles are not exempt from requiring a TIP if you intend to drive the vehicle beyond one of the Free Zones.
• Applications online are checked in real-time on US/Canadian vehicle databases.  Your application for a TIP will be denied if the vehicle has any restrictions marked, e.g. reported as stolen or as sent for scrap.

Is auto insurance compulsory when I drive a car into Mexico?

You will need to show evidence of having a valid temporary insurance policy when you apply for a TIP.  Whether you are driving in the Free Zones or going further into Mexico with a TIP, ensure your road trip is properly insured with a policy is valid in Mexico, especially for third party liabilities.

Learn more about driving in Mexico

Mexperience offers articles with insights to help you prepare for your road trip and drive confidently in Mexico.

• Bringing a foreign-plated vehicle to Mexico
• Insuring your vehicle for driving in Mexico
• Your Mexico road trip checklist
• Dealing with minor and major road accidents
• Latest articles about driving in Mexico
• Guide to auto insurance in Mexico

Mexico is seeing a renewal in excitement about railways as the government tries to make passenger service a thing—again.

A brief backdrop

First a bit of history. The thing for which president Porfirio Díaz was most famous —before he became infamous for clinging to power for 30 years— was the development of a network of railways, much of which was done by foreign companies.

The country’s first railway was conceived in 1837, when the president at the time granted a Mexican businessman a concession to build a line from the Gulf coast port of Veracruz to Mexico City. The first train to run between the two cities, under a later concession, left the capital in 1873—not bad as delays and cost overruns go. The network expanded from 9,500 km (5,900 miles) in 1890 to more than 19,000 km (11,800 miles) by 1910. A nicely illustrated history of the railways (in Spanish) can be found here.

The Mexican railways were nationalized in 1937 by then-president Lázaro Cárdenas, a year before the expropriation of the oil industry, and run by the state for the next six decades.

By the time the government decided that private companies would do a better job of maintaining and improving the country’s railways, passenger travel by train from one city to another was virtually unheard of.

The private concessions were only granted for freight service, and the railway companies focused on that with few exceptions such as the journey through the picturesque Copper Canyon and the tourist train connecting Guadalajara with the agave-growing town of Tequila.  Passenger rail travel was removed from Mexico’s consumer price index around the same time that bottled drinking water was added. Signs of changing times.

Service on the handful of routes where passenger travel was still available into the 1980s was somewhat typical of a state monopoly in its last throes—bad. Air travel was still prohibitively expensive at that time for many people, but highway expansion made bus routes more convenient, and significantly faster than the rail services being offered.

Getting back on track

Fast forward to the 21st century. Low-cost airlines fly all over the country, interstate buses come equipped with toilets and movies, and long-distance passenger rail is beginning to make a comeback.

The idea began with the administration of President Enrique Peña Nieto (2012-2018), who had plans for a bullet-train from Mexico City to Querétaro, including a future extension to Guadalajara, a trans-peninsular passenger train joining the Yucatán state capital city of Mérida with the popular tourist region of Riviera Maya, and a train from Mexico City to the State of Mexico capital Toluca.

From the outset the projects were criticized as being unprofitable, which they evidently would be, but that wasn’t the point: the plan was to reignite the rail industry and recreate a modern high-speed passenger train network capable of reducing travel times along what have become highly congested highways and give passengers more choice in travel.

To cut a long story short, the bullet train project was canceled for political reasons —all was not well with the way it was awarded— and shortly after, the trans-peninsular line was postponed indefinitely for economic reasons. The Mexico City-Toluca line went ahead but was far from complete by the time his term ended.

President Andrés Manuel López Obrador (2018-2024) went a step further. The idea of a trans-peninsular train was rekindled and expanded into the Tren Maya, a tourist line running around the entire Yucatán peninsula. The Mayan Train opened almost a year ago, although some parts have yet to be completed.

Initiatives begin to pick-up steam

President Claudia Sheinbaum, who took office on Oct. 1, 2024, took up the baton and intends to continue expanding passenger rail service. Her government has resumed plans for a Mexico City-to-Querétaro train —but not a bullet train— and others in different parts of the country.

They include completion of the Tren Maya, the Mexico City-Querétaro project, the Interoceanic line crossing the Isthmus of Tehuantepec, several lines to the new Mexico City airport at Santa Lucía (including a stop on a new Mexico-to-Pachuca route), and others from Mexico City to Nuevo Laredo on the U.S. border, and Querétaro to Irapuato.

Her efforts will be supported by a recent constitutional change restoring government control of the railways. The railway bill was even supported by the opposition—an unusual occurrence in these days of political division. Private operators can make their own plans for offering passenger service, and have expressed interest in several projects, or they can allow third parties access to their lines. Government plans also involve laying new rails where necessary.

Driving on Mexico’s Freeways

Carreteras libres are typically local two-lane roads. They tend to be older and wander along the landscape through small towns and villages without sophisticated highway engineering. In rural areas especially, they are often marginally maintained, tend to be poorly marked, lack a shoulder (or have soft, unpaved shoulders) and they might also present driving challenges like potholes or farm animals wandering into the road. Then there is everyone’s favorite: topes—speed bumps, designed to control speed with bone-rattling effectiveness.

Although libres may sound like a challenge for the driver who is new to Mexico, you may eventually find a local libre that you like using simply because it is more scenic and interesting than a nearby autopista. You are going to find restaurants and fondas, shops of every flavor, old churches, schools, handcrafts, and tire repair shops. Everyday life in Mexico happens alongside the libres.

Autopistas – Mexico’s tolled highways

Across much of Mexico, the local freeways are shadowed by a system of super highways that are built and maintained under the auspice of CAPUFE (Caminos y Puentes Federales)—Mexico’s department of federal roads and bridges. These toll roads are typically either three lanes (one in either direction and a center lane reserved for passing in both directions) or four lanes with a median dividing each side.

Like many highways in the United States and Canada, autopistas are graded and straighter that free roads, they have safe shoulders, limited access and egress, and the signage is consistently clear and accurate. Autopistas offer periodic gas stations with restrooms and sometimes a coffee shop or mini-mart where travelers can seek passing refreshment.

If you travel any distance on an autopista, you will soon become familiar with the caseta or toll-booth. The tolls vary depending on the road and distance traveled, and if you are traveling long distances, the amounts can add-up so make sure you are traveling with adequate cash: ATMs are hard to find outside of urban areas, and not all casetas take bank cards. If you’re a frequent traveler on Mexico’s highways, you might consider purchasing an electronic ‘Tag-IAVE’ chip that’s affixed to your windscreen and deducts credit from your Tag-IAVE account balance or is linked to a credit card.

If you pay your toll in cash, you will be given a receipt, which you should keep for the duration of your journey. On the back of the receipt is the emergency number for CAPUFE.

Mechanical breakdowns on Mexico’s toll roads

If you have mechanical car trouble or see a hazard in the road, call the number and give them the nearest kilometer number; these are marked as small white signs like mile markers in the US. They may be able to send help in the form of “Angeles Verdes”—a roving fleet of repair and recovery trucks which operate on Mexico’s toll roads.  Alternatively, you can call your insurance company if you have breakdown cover included, who will dispatch immediate assistance to you.

In Mexico tow-trucks are rarely used. Instead, the mechanic will come to you and if parts are required they don’t have, they will go and get them. You will need to pay the mechanic in cash. Of course, if you have travel assistance as part of your auto insurance coverage, they can send help for minor incidents like a broken fan belt, or even a major breakdown, no matter what kind of road you are on.

Dealing with accidents on a road trip

If you are involved in a car accident on a road trip in Mexico (whether it happens on a libre or autopista road), the first thing to do is to call your auto insurance company.

Here it’s worth noting that your US or Canadian auto insurance policy will not provide adequate cover in Mexico, and if you’re not properly insured you’ll face arrest, liability charges, and legal costs—which can be very serious if anyone is hurt and/or public property has been damaged by your vehicle.  You can learn more about how to get adequate coverage for your road trip across Mexico.

To learn more about travelling on Autopistas in Mexico, connect to our guide about Toll Roads in Mexico; and to get acquainted with the nomenclature you’ll find on Mexico’s roads, read A Guide to Mexican Street Speak.

Learn more about driving in Mexico

Mexperience offers articles with insights to help you prepare for your road trip and drive confidently in Mexico.

• Importing a foreign car or other vehicle to Mexico
• Getting a Temporary Import Permit (TIP) for your vehicle
• Insuring your vehicle for driving in Mexico
• Your Mexico road trip checklist
• Latest articles about driving in Mexico
• Guide to auto insurance in Mexico

Your US or Canadian insurance policy, however comprehensive, won’t cover you in Mexico, but affordable insurance policies valid in Mexico are available…

Auto insurance for driving in Mexico

We recommend that you always drive properly insured in Mexico.  The risks of driving without adequate coverage are significant, especially in the event of a serious accident.

If you become involved in a car accident in Mexico and you are not insured:

• you will become personally responsible for any damage to the third party’s vehicle (or vehicles, if it is determined that your actions were the cause of an incident involving several vehicles);
• the authorities will pursue you personally for costs related to the repair of the public highway; this includes things like road surface, barriers and sign and lamp repairs—and can get expensive;
• if someone is hurt or killed, all drivers will be arrested; if you are deemed to be responsible, third parties will pursue liability damages against you;
• the authorities may charge you with driving without third party insurance that is compulsory in Mexico.

Third party liability

Under Mexican law, you must have liability insurance from a Mexican insurer to drive your vehicle on Mexican roadways.  Driving without adequate insurance for your vehicle is a risk, as police routinely ask to see insurance documentation when they stop road vehicles.

If you become involved in a serious accident in Mexico, where persons are hurt or killed, you will be detained by the police until blame is assessed. If it is deemed that you are to blame, you will be detained for longer until the other party (parties) are satisfied with any compensation being offered by you (or more likely your insurance company) at which point they will sign the paperwork that will have you released from police custody.

Good insurance policies offer legal counsel and bail bond services so that, in the worst-case scenario, you have the legal support and financial assistance you will need.

If you are driving your own car across the border from the USA or Canada into Mexico, you must purchase an insurance policy that is legally valid in Mexico.

• However comprehensive your US or Canadian auto insurance policy is, it will not cover you for third party liabilities when your foreign-plated vehicle is present in Mexico.
• You can purchase specialized auto insurance coverages for Mexico which are not expensive and will give you peace of mind when you’re driving here. They can also provide additional services including breakdown support and medical evacuation coverages.
• If you are renting a car in Mexico, be sure that you are comprehensively insured in that vehicle.

Although your US or Canadian car insurance policy may be comprehensive and might also extend some limited damage coverage in Mexico, you will still need to purchase special policy that is legally valid for third party liability in Mexico.

In the event of an accident, presenting a US or Canadian auto insurance policy will be of no use because these documents have no legal force in Mexico, and the companies backing them will not settle any claim arising when you’re driving outside of the US/Canada.

Drivers who become involved in serious accidents in Mexico are usually arrested pending investigation. If you are not properly insured in Mexico and become involved in a serious accident —even if you’re not at fault— the procedures will place considerable stress and financial burden upon you.

This section of the guide describes how auto insurance works in Mexico and how to go about buying the additional insurance protection you need to ensure that you, your passengers, and your vehicle are properly insured when driving on Mexico’s roads—and that in the event of a serious accident, you are properly covered by a legally valid and adequate insurance policy.

Insuring your foreign-plated car in Mexico

Only insurance companies that are licensed in Mexico can issue auto insurance policies that are recognized and accepted by Mexico’s legal system.

A few US or Canadian-based insurance companies will extend cover for physical damage on cars and RVs while they are situated in Mexico, but they cannot and do not provide third party liability insurance—that is obligatory when you are driving in Mexico.

So, although your home country insurance may cover damage to your own vehicle, they will not cover your liability to others in Mexico.

Therefore, a special insurance policy is necessary to be properly insured in Mexico that is issued directly by a Mexican insurer, or through a broker in the US or Canada that is working in conjunction with a Mexican insurance company.

Important note: When you take your vehicle to Mexico, you need to keep enough insurance coverage in place to maintain the vehicle’s legal registration valid in your home country.  See this article for details about this requirement.

Insuring a Mexican-plated car

If you own a Mexican-plated car, you can purchase insurance locally for the vehicle’s use in Mexico.  Download our free eBook: the guide to the cost of living in Mexico, for details and connections to local auto insurance companies that insure Mexican-plated cars.

Driving a Mexican-plated car to the USA

If you intend to drive your Mexican-plated car to the USA, you will need to purchase a special top-up insurance policy to cover your third-party liability there.  Learn more about driving your Mexican-plated car to the USA and Canada.

Who’s insuring you?

Buyers purchasing insurance for their vehicles in Mexico are often misled by believing that they can rely on the broker, rather than the insurance underwriter, to professionally manage any claim that may arise during their stay in Mexico.

• The insurance company underwriting your policy is much more important than the broker that sells you the policy. As all insurance policies are sold through brokers, it’s important to know which insurance company (or companies) are underwriting the policies being sold to you by the broker.
• Regardless of how reputable or well-intentioned an agent or insurance broker may be, if they place your coverage with a troubled insurer, you could experience some unpleasant surprises when you make a claim. Insurance from a more stable and financially strong insurance company may cost more, but the additional premium represents a lower risk to you in the event of a claim.
• Protect yourself and your investment by asking the broker “who underwrites your policies?” and make sure that the insurance companies being used to underwrite your policy have a strong, stable, history.
• AM Best is a US-based ratings agency that provides an annual rating for Mexican insurance companies. Not all Mexican insurance companies are rated by AM Best and of those that are, few have a “A or better” rating—that defines the company’s risk profile as “Good, or Excellent.”

Tips for choosing an insurance broker

When you choose a broker, pick one that:

• is properly licensed;
• offers a comprehensive range of coverages including breakdown and medical as options;
• has the customer service infrastructure needed to properly take care any claims and needs while you’re driving in Mexico; and,
• operates using well-rated insurance companies.

Mexperience’s insurance associate offering auto insurance for Mexico only works with Mexican insurance companies that have an “A or better” AMB rating.

What to look for in a Mexico auto insurance policy

Regardless of who you buy your auto insurance coverage from, you should check that your auto insurance policy includes these essential elements:

Financially sound insurance underwriter

Make sure that the insurance company underwriting your policy is financially sound. Policies from lesser-rated insurance companies might cost less, but that lower premium translates into a de facto higher-risk for the policy holders. Don’t just shop around for the cheapest policy; as we remarked in a previous chapter in this section—consider who’s insuring you.

Licensed broker

As all insurance policies are sold through brokers, ensure that the broker you engage with is licensed and that they offer full transparency of the policies they offer. You should be able to check the detailed terms and conditions of any policy before you are asked to buy.

Broker’s presence and infrastructure

Ensure that the broker you use is well established in the market.  ‘Good infrastructure’ means that:

• the broker has excellent customer services facilities,
• makes effective use of technology so that you can purchase your policy efficiently, and that the policy offers help and support services when you are in Mexico, in addition to the insurance coverage;
• this includes things like local access numbers where you can call to make a claim, report issues—and talk to someone in English, especially if you don’t speak much (or any) Spanish.

Liability coverages, legal assistance, and bail bond

Ensure that any policy you purchase includes coverage for these three essential elements:

• Third party liability: the policy must cover third party liability, including your personal liability to any third parties.
• Legal assistance: good policies offer comprehensive legal assistance that will support you in the event of a serious accident or third-party claim.
• Bail bond: your coverage ought to include a ‘bail bond’ element that will cover payment of your bail bond if you become involved in a serious accident and are detained while the incident is investigated, and liability is assessed. If this process is protracted, the bail bond may get you released pending inquiries.

Breakdown and medical coverages

The better brokers will offer a comprehensive range of additional support services, which are optional, but are worth considering when you are driving in Mexico.  The two most important are:

Breakdown coverage

If your car breaks down while you’re driving in Mexico, roadside recovery will provide you with the essential support you need to get your car repaired and mitigate risks of becoming stranded. Roadside assistance may include things like delivery of emergency fuel, towing services, dealing with flat or damaged tires, locksmith support, jumpstart assistance, and provision of lodging and a rental car while you wait for your vehicle to be repaired, and repatriation to your home country in the event of a write-off.

Medical assistance

An auto insurance policy that provides medical coverage will provide round-the-clock medical assistance on your road trips, including in the event of a serious accident, land and air medical evacuation and coverages to support you and your travel companions, for example with accommodations and transport while you convalesce.

Mexperience’s auto insurance associate offers a comprehensive range of additional services that provide peace of mind when you’re taking a road trip in Mexico.

Local support when you need it most

In the event of an accident or incident and subsequent claim, the level of local support your broker’s insurer has in place in Mexico will make all the difference to you.

• The broker and their insurance company should provide easy access to local support services in Mexico so that in the event of a claim, you are able to call for help with the least amount of effort.
• They ought to offer support attended by an English-speaking service agent who will be able to manage your call efficiently and dispatch the help and support you need.
• The local support ought to coordinate all your needs including accident reporting, legal support, breakdown, and medical assistance (if you purchased these).

Making an auto insurance claim in Mexico

Your policy documentation should be clear about the procedure you need to undertake in the event of an accident or incident, and any subsequent claims. Here is a summary of the most important points, which are relevant to terms on most Mexican auto insurance policies:

You MUST make the claim in Mexico

Some people wait until they get back to the US or Canada before making a claim, especially if it’s for something minor, for example, for bodywork or a hit-and-run incident in a parking lot. Insurance policies require you to make a claim while you are in Mexico and most will not process your claim if you wait until you return home, except in the most exceptional circumstances.

Calling the insurance helpline

The first call you make if you become involved in an accident should be to the insurance company’s helpline. In addition to registering your claim, they will be able to dispatch an insurance assessor to the scene of the accident, as well as plan for lawyers or other services to be put in place for you, in the event of a more serious accident.  They may also arrange for breakdown and medical services to attend the scene if you purchased these additional coverages, and they are required.  See the section about dealing with road accidents in this guide.

Paperwork and reimbursement

You may be asked to produce a police report as well as other relevant documentation as part of the claim procedure. In some cases, for example, for immediate repairs to get your vehicle back on the road, you may need to pay these out-of-pocket and get reimbursed when you return home. Keep all receipts. Your insurance policy will be specific about what to do in these circumstances. In all cases, remember that you should lodge your claim in Mexico—don’t wait until you get back home.

Buying Mexico auto insurance online

Buying online before your trip instead of buying when you get to the border enables you to consider the coverages you need patiently with care, review the terms to be sure the coverage meets your needs, and arrange the policy online and get instant coverage starting from the date of your trip.

Mexperience is pleased to introduce our readers to our insurance associate, MexPro—a leading US-based broker specializing in Mexico auto insurance:

• Browse and choose from a range of competitively priced auto insurance policies
• Get coverages issued by a fully licensed US insurance broker and backed only by “A or better” rated Mexican insurance companies
• Coverages include a comprehensive range of services including third-party liability, legal counsel, and bail bond
• Optional coverages for breakdown and medical assistance to give you peace of mind on your road trip
• First-class customer service and claims aftercare facilities
• Full transparency about policy types and wording before you buy
• Buy from an experienced broker that sells over 100,000 Mexico auto insurance policies every year

Learn more about driving and road trips in Mexico

Mexperience offers local knowledge, tips, and guidance for driving and road trips in Mexico

• Latest articles about driving in Mexico
• Comprehensive and regularly-updated guide to Driving in Mexico
• FAQs: Importing a foreign-plated vehicle to Mexico
• FAQs: Temporary Import Permits for taking vehicles to Mexico
• Road trip checklist for your journey in Mexico
• Guides to transportation in Mexico
• Keeping your car legally registered in the US or Canada when you drive in Mexico
• Get a quote online for Mexico auto insurance