Summer in El Paso means blue skies, desert adventures, and the perfect time to hit the road. Whether you’re planning a getaway to Santa Fe, Tucson, or a scenic drive through Big Bend, it’s important to make sure your car insurance travels with you.
Are you Covered When You Leave Texas?
Short answer: Yes—most standard auto insurance policies cover you anywhere in the United States. But there are important exceptions and things to watch for.
What's Typically Covered:
- Liability Insurance follows you across state lines. If you’re at fault in a crash in New Mexico or Arizona, your policy will adjust to meet that state’s minimum coverage.
- Comprehensive & Collision Coverage protect your vehicle from things like theft, vandalism, hail, or collisions—no matter where you are in the U.S.
- Uninsured/Underinsured Motorist Coverage can also apply in other states, depending on your policy.
What May Not Be Covered:
- Driving in Mexico: Your U.S. policy likely does not cover you across the border. You’ll need temporary Mexican car insurance.
- Rental Cars: If you’re renting a vehicle on your trip, your personal policy may cover it, but check the fine print, especially for liability.
3 Things El Paso Drivers Should Do Before a Summer Road Trip
- Call Your Insurance Agent
Ask: “Am I covered out-of-state? What about rental cars or towing?” - Review Your Policy
Check for coverage limits, especially if you’re driving through remote or rural areas. - Consider Add-Ons
- Roadside Assistance for breakdowns in the desert
- Rental Reimbursement if your car is out of commission during your trip
Popular Summer Getaways from El Paso & Coverage Tips
|
Destination |
Distance |
Insurance Tip |
|
White Sands, NM |
100 mi |
Bring proof of insurance – random stops happen |
|
Tucson, AZ |
270 mi |
Arizona has different liability limits—your coverage adjusts automatically |
|
Big Bend, TX |
300 mi |
Check towing coverage—remote areas can be pricey for tow trucks |
Final Thoughts
Road trips from El Paso are a summer tradition—but don’t let an accident or breakdown turn your getaway into a headache. Double-check your policy, ask the right questions, and enjoy the road ahead with peace of mind.
