Mexican insurance for one month (30 days): price and how it works

The short version

Thirty days of Chubb Tourist Auto liability ($100,000 USD liability + $2,000 USD medical, all of Mexico) cost $143.60 USD, measured live on 18 September 2026. With own-damage and theft on a car worth about $20,000 USD: $336.71 USD.

The 30-day plan is its own product. The Daily plan stops at 29 days; day 30 uses the 30-day plan, and anything from 31 days up moves to the 90-day plan at $156.45 — only $12.85 more for 60 extra days.

Per day, 30 days cost $4.79 (liability) or $11.22 (full). The annual costs $197.00 (liability) — a month and a half of monthly plans already pays for the whole year.

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.

If your stay could run past 30 days — a work rotation, a rental house, a medical recovery — buy 90 days from the start. A policy that has started cannot be extended, only replaced.

Direct answer: one month (30 days) of Mexican car insurance costs $143.60 USD for Chubb liability-only coverage ($100,000 USD liability + $2,000 USD medical, all of Mexico), and $336.71 USD with own-damage and theft on a car worth about $20,000 USD — measured live on 18 September 2026. And here is the number almost nobody prints next to it: 90 days cost $156.45. Sixty extra days for $12.85.

The 31st day

Chubb's Daily plan stops at 29 days. Day 30 is the 30-day plan. From 31 days up, the product is the 90-day plan. If your month could turn into five weeks — a work rotation, a rental that gets extended, a recovery after surgery in Los Algodones — buy 90 days from the start, because a policy that has started cannot be extended.

30 days against the other plans, measured 18 September 2026

Plan	Liability only ($100k + $2k medical)	Per day	Full coverage (car ≈ $20k USD)	Fixed policy fee included
7 days (Daily plan)	$54.75	$7.82	$113.35	Included in total; varies by duration
30 days	$143.60	$4.79	$336.71	Included in total; varies by duration
90 days	$156.45	$1.74	quote in chat	$20
180 days	$179.30	$1.00	quote in chat	$35
365 days	$197.00	$0.54	≈ $438.38	$35

All prices in USD, Chubb Tourist Auto via Timi, no Mexican tax on this product. Read the table from the bottom: the plans are priced so that staying longer costs very little more. The 30-day plan is a fine buy for exactly one month; the moment there is any doubt about the length, the 90-day plan is the safer purchase for $12.85.

Who buys a month

A summer or Christmas month with family in San Miguel de Allende, Mazatlán or the family town in the interior — usually with the TIP if you leave the free zones (see TIP and insurance explained).
Remote workers trying a month in Sayulita, La Paz or Playa del Carmen.
Medical and dental recoveries that need a few weeks in Tijuana or Los Algodones.
Not snowbirds. A snowbird season is 4-6 months: the 6-month plan at $179.30 or the annual at $197.00 is the right shape.

What is inside the month

Exactly what is inside a day or a year: $100,000 USD liability, $2,000 USD medical, legal assistance, Chubb México claims 24/7 with English-speaking adjusters, and — if you add it — own-damage and theft with a fixed-amount deductible. The PDF names the vehicle by VIN, the dates and the limits; that PDF is what you show at a checkpoint. Full coverage matters more on a long stay simply because the car spends more days parked in Mexico: read what moves the price and how the tiers compare.

Buy it in 3 minutes

Open timi.mx/tourist, give your plate and state, say "30 days from the 15th" — or "90 days", if the month might stretch — and pay by card. The Chubb policy arrives by email and in the chat. More on durations: how much a week costs, the annual math, what "cheapest" really compares, and every Southbound destination and question page.

Frequently asked questions

How much is Mexican car insurance for 30 days?

Measured on 18 September 2026: $143.60 USD for 30 days of liability-only coverage ($100,000 USD liability + $2,000 USD medical, all of Mexico) on a typical car, and $336.71 USD with own-damage and theft on a car worth about $20,000 USD. The exact figure for your vehicle shows in the chat before you give any personal data.

What if I need 35 or 45 days?

You buy the 90-day plan: $156.45 USD for liability-only, measured the same day. It costs $12.85 more than the 30-day plan and covers three months. There is no 45-day product, and the Daily plan stops at 29 days, so anything between 31 and 90 days is the 90-day plan.

Are policy fees included, and is there Mexican tax?

Can I extend the policy from Mexico if I stay longer?

Not by extending it: once a policy has started its end date is fixed. What you do is open the chat before it expires and buy a new policy for the remaining days — it is issued in minutes with the same vehicle data. Driving uninsured for the extra days is the one thing not to do.

Does the 30-day plan cover all of Mexico?

Yes, the prices here are for the "all of Mexico" territory. A "border states" territory exists for trips that stay in Baja, Sonora and the northern states; it is a few dollars cheaper. Say where you are going in the chat and it quotes the right one.

When should I buy the annual instead?

The annual liability policy costs $197.00 USD, which is 1.4 monthly policies. If you expect a second trip in the same year — a summer month plus a Christmas week, a snowbird season plus a spring visit — the annual is cheaper and you never have to buy again. See our annual-versus-daily math guide.