All three are legitimate CNSF-authorized Mexican insurers; timi.mx issues Chubb, and a 7-day full-coverage tourist policy runs $113.35 USD total, tax and fees included. If you searched any of these brand names, you're not being scammed — you're just comparing options.
🔎 What actually makes an insurer valid in Mexico
It's not the logo. Mexico's insurance regulator (CNSF) authorizes carriers to operate there, and a valid policy has to meet three things.
- The insurer is CNSF-authorized to sell auto insurance in Mexico
- The policy itself is issued under Mexican law, in Mexico
- There's a local adjuster and claims network you can actually reach
Chubb, Qualitas and GNP all check these boxes. So do several other Mexican carriers — the brand isn't the deciding factor, coverage and service are.
A US or Canadian auto policy — even one with a "Mexico extension" for damage to your own car — is not Mexican liability coverage. If you cause an accident in Mexico, local authorities look for a Mexican-issued policy, period.
Why your home policy stops working at the border
Mexican traffic law requires proof of financial responsibility recognized locally. A US or Canadian insurer, however good, isn't licensed to handle a Mexican liability claim or work with Mexican authorities after a crash.
Some US policies extend physical damage coverage for your own vehicle south of the border. That's useful, but it doesn't replace Mexican liability — you still need a separate policy for that.
Chubb vs Qualitas vs GNP — what really differs
Skip the brand debate. Ask about these four things instead, whichever carrier you're comparing.
💰 Liability limits
How much the policy pays if you injure someone or damage property — check the peso or dollar limit, not just "liability included."
🔧 Deductibles
Full coverage always has a deductible for damage or theft. Ask the exact percentage before you buy.
⚖️ Legal assistance
Good policies include help dealing with local authorities after an accident — not just a claims phone number.
🗣️ Bilingual claims
Can you actually explain what happened in English if something goes wrong? This matters more than the logo on the card.
We can't quote Qualitas or GNP pricing here — that's between you and them. What we can show you is exactly what a Chubb tourist policy costs, because we sell it.
What a Chubb tourist policy actually costs
Reference pricing below is for a 2022 sedan, $20,000 USD declared value, coverage for all of Mexico. Your exact quote depends on your vehicle, dates and territory.
| Duration | Liability only | Full coverage |
|---|---|---|
| 7 days | $54.75 | $113.35 |
| 30 days | $143.60 | $336.71 |
| 180 days | $179.30 | $396.55 |
| 365 days | $197.00 | $438.38 |
All reference totals include Mexican tax and policy fees. 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.
Get your exact number before you pack the car — plug in your dates and vehicle at the Tourist Auto quoter and see the full breakdown in seconds.
How to buy Chubb online, start to finish
You don't need an office visit or a fax machine. The whole thing runs through chat.
- Open the quoter or start a chat with a licensed Mexican agent
- Give your vehicle details, declared value, dates and territory
- Pay online and get your PDF policy by email — about 2 minutes
That PDF is your proof of insurance at the border and if you're ever stopped. Print it or keep it on your phone.
All reference totals include Mexican tax and policy fees. 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.
One more distinction worth keeping straight: insurance, vehicle importation permits and immigration paperwork are three separate processes. A tourist auto policy covers liability and optionally damage/theft — it doesn't substitute for a temporary import permit if your trip requires one, and it isn't an immigration document. Plan for all three separately, especially if you're heading toward Baja or driving deep into mainland Mexico. For more on picking coverage correctly, browse our other guides before you cross.