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 $166.58 USD, measured live on 2 September 2026. With own-damage and theft on a car worth about $20,000 USD: $390.58 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 $181.48 — only $14.90 more for 60 extra days.

Per day, 30 days cost $5.55 (liability) or $13.02 (full). The annual costs $228.52 (liability) — a month and a half of monthly plans already pays for the whole year.

The fixed policy fee is $18 USD on the 30-day plan, $20 on 90 days and $35 on 180 days and annual. It is per policy, so two separate months pay it twice.

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 $166.58 USD for Chubb liability-only coverage ($100,000 USD liability + $2,000 USD medical, all of Mexico), and $390.58 USD with own-damage and theft on a car worth about $20,000 USD — measured live on 2 September 2026. And here is the number almost nobody prints next to it: 90 days cost $181.48. Sixty extra days for $14.90.

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 2 September 2026

Plan	Liability only ($100k + $2k medical)	Per day	Full coverage (car ≈ $20k USD)	Fixed policy fee included
7 days (Daily plan)	$63.51	$9.07	$131.49	$18
30 days	$166.58	$5.55	$390.58	$18
90 days	$181.48	$2.02	quote in chat	$20
180 days	$207.99	$1.16	quote in chat	$35
365 days	$228.52	$0.63	≈ $531	$35

All prices in USD, Chubb Tourist Auto via Timi, IVA included. 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 $14.90.

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 $207.99 or the annual at $228.52 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 2 September 2026: $166.58 USD for 30 days of liability-only coverage ($100,000 USD liability + $2,000 USD medical, all of Mexico) on a typical car, and $390.58 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: $181.48 USD for liability-only, measured the same day. It costs $14.90 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.

Is a 30-day policy the same as buying 30 single days?

No, and the difference is huge. Thirty one-day policies would cost 30 × $26.97 = $809.10 because each pays Chubb's $18 fixed fee. The 30-day plan costs $166.58 and pays the fee once. Same coverage, same insurer.

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 $228.52 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.