"Annual" and "more than 30 days" are two different questions, and mixing them is the most common mistake we see in the chat. A tourist liability policy for a Mexican-plated car can last a year, but each stay is capped at 30 consecutive days. Staying in a row for two, three or six months (a long family visit, a winter in Texas, a summer in California) is the Extended Stay policy.
Two situations, two policies
| Your pattern | Policy | Term | Real price, September 2026 |
|---|---|---|---|
| Several trips a year, each 30 days or less | Annual tourist (multi-trip) | 365 days | $175 to $185 USD |
| One trip longer than 30 days in a row | Extended Stay | 90 / 180 / 365 days | $250 to $360 / $438 to $640 / $810 to $1,195 USD |
| A single trip of up to 30 days | Tourist, by the day | 1 to 30 days | $12.50 for 1 day, $42 for a week, about $85 for a month |
The one requirement
The policy is bought while the car is in Mexico, and coverage starts before you cross the border. You declare this when you buy. If your car is already in the United States, message the chat first so we can review your case before quoting.
What it covers
Third-party liability with state split limits (30/60/25 in Texas, 30/60/15 in California) or a $100,000 combined single limit, medical expenses for occupants, and Chubb legal and roadside assistance. Damage or theft of your own car is not included.
How to get your exact price
In the Timi chat you give make, model and year, the driver's age, the state where you enter, the reason (tourism, work, study or resident) and the number of days. You see the price before entering any personal data; if you buy, the Chubb policy PDF arrives in minutes. Timi is the licensed agent (CNSF) and Chubb is the insurer.
Insurance for a Mexican-plated car in the USA · Living in the US with a Mexican-plated car · Mexican students · TN visa · Stays longer than 30 days · Quote in the chat