Mexican Auto Insurance for Texas drivers

Mexican Auto Insurance for Texas Drivers: Laredo, McAllen, Brownsville, El Paso

Full coverage for a Texas-plated car runs about $31.62 USD per day or $438.38 USD per year, with liability-only from $23.25 per day or $197.00 per year (Chubb). Texas drivers crossing south through Laredo, McAllen, Brownsville or El Paso need this Mexican-issued policy before the bridge, since a Texas auto policy is not valid liability coverage once you're in Mexico. It's bought entirely by chat, in about two minutes, with the PDF landing in your email before you reach the booth.

Why doesn't my Texas insurance work once I cross?

Mexican law only recognizes liability coverage issued by a Mexican insurer, so the policy your Texas agent sold you stops being valid the moment you cross into Mexico, no matter how good your US coverage is. That's the specific gap this product fills: a Chubb-backed policy issued for the Mexican side of the trip, bought before you reach the bridge lane at Nuevo Laredo or any other crossing.

Is the policy the same at Laredo, McAllen, Brownsville and El Paso?

Yes. The coverage isn't tied to a specific bridge or port of entry, so the same policy works whether you cross at Laredo, McAllen, Brownsville, El Paso, or switch crossings on the way back. What matters is the vehicle and the dates you confirm in chat, not which lane you drive through.

Do I need this for a short trip to Nuevo Progreso or Boca Chica?

All reference totals include the policy fee; there is no Mexican tax (IVA) on this product. Included fees: $18.00 USD for 1 day, 3 days, 7 days, 30 days; $20.00 USD for 90 days; $35.00 USD for 6 months, 1 year. Do not add the fee again. Your exact quote depends on the vehicle, coverage, territory and dates.

What about Texas trucks, trailers and RVs heading into Mexico?

Vehicle type and trailer details change how a policy quotes, so those specifics get confirmed with you in chat rather than assumed here. If you're continuing past the border zone into mainland Mexico, remember that a temporary import permit (TIP) is a separate requirement from insurance and is generally needed once you go beyond the immediate border area.

What should I check before I get in the crossing line?

• Vehicle plates, VIN and the exact dates you'll be in Mexico
• Whether your route stays near the border or continues into mainland Mexico, where a TIP may apply
• Your policy PDF saved on your phone or printed, ready to show if asked

For a closer look at what Chubb's Mexican policy actually includes, see this guide, or compare how the same product works for drivers from other states at California or across all Mexico destinations.

Frequently asked questions

Can I buy the policy while I'm already in line at the Laredo or El Paso bridge?

Yes, the whole purchase happens by chat from your phone in about two minutes, so it works even from the crossing line as long as you have signal. The PDF arrives by email right away, which is what you'd show if asked.

Does one policy cover round trips through different Texas crossings?

Yes, coverage is tied to the vehicle and the dates you set, not to a single bridge, so you can enter through Laredo and return through McAllen or Brownsville on the same policy.

Do I need a separate import permit if I'm just driving to Nuevo Progreso for the day?

Border-town day trips like Nuevo Progreso generally fall within areas where the temporary import permit isn't required, but permit rules are separate from insurance and depend on your exact route, so confirm your plans in chat if you're unsure.

Is the price different if I cross at El Paso instead of Laredo or Brownsville?

No, the insurance price depends on the vehicle, coverage type and dates, not the specific crossing point, so a Texas-plated car quotes the same whether you cross at El Paso, Laredo, McAllen or Brownsville.

Keep reading: California drivers · Arizona drivers · San Diego · Phoenix · Rocky Point · Baja California · All Mexico destinations & questions · All Timi guides