Here's the short version: Chubb Tourist Auto includes third-party liability ($100,000), medical payments for occupants ($2,000), legal assistance and bail bond, and roadside help. Full coverage adds collision/damage and total theft, subject to deductibles.
Drivers in California, Texas, Arizona, Colorado, and Oregon asked our chat the exact same question within two weeks: "What does this quote cover, and what are the deductibles?" This guide answers it line by line.
What's actually in the policy 📦
Every Tourist Auto policy — liability only or full coverage — starts with the same four pieces. Full coverage stacks two more on top.
Liability
$100,000 USD for injury or damage you cause to someone else while driving in Mexico.
Medical payments
$2,000 USD per occupant for medical bills after an accident, regardless of fault.
Legal assistance
Attorney support and bail bond if you're involved in an accident with legal consequences.
Roadside help
Support if your car breaks down or you're stranded on the road.
You get this issued online by chat with Timi in minutes, backed by Chubb — no agency visit, no paperwork mailed anywhere.
Real prices, by duration 💵
These are reference totals for a 2022 sedan, $20,000 USD declared value, coverage for all Mexico. Your own quote depends on your vehicle, dates and territory.
| Duration | Liability only | Full coverage |
|---|---|---|
| 1 day | $23.25 | $31.62 |
| 3 days | $33.75 | $58.86 |
| 7 days | $54.75 | $113.35 |
| 30 days | $143.60 | $336.71 |
| 90 days | $156.45 | $361.63 |
| 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.
Why your US liability limits don't transfer
Mexican law requires proof of financial responsibility that's valid inside Mexico — a US policy number doesn't count at a checkpoint or a police station.
Some US insurers sell a "Mexico extension" that covers damage to your own car south of the border. That's not the same as Mexican civil liability, which pays third parties. Check what your extension actually promises before assuming you're covered for a crash you cause.
Need more than $100,000 in liability? RC Plus limit upgrades exist, but they're quoted case by case — ask for one when you request your Tourist Auto quote.
What drives the full-coverage price: declared value
Full coverage prices off the car's declared value — what Chubb would pay out on a total loss or theft, before deductibles. A $20,000 sedan and a $45,000 truck won't cost the same to insure, even for identical dates and territory.
This is also why "how much is full coverage" never has one universal answer — it's always tied to your specific vehicle's value.
What's not covered
- Off-road driving or use outside paved public roads
- Driving without a valid driver's license
- Commercial use or rideshare driving in a personal vehicle
- Damage that happened before the policy's start date
How deductibles actually work
Full coverage doesn't pay 100% of a claim on its own — deductibles apply to both damage and theft, and they change what you actually collect. We walk through the real math in our deductibles guide, so you know what to expect before you file a claim, not after.
Ask for your declared value and deductible in writing before you cross — it's the fastest way to avoid a surprise if you ever need to file a claim.
Insurance, import permits, and immigration are three different things
Your Tourist Auto policy proves financial responsibility to drive in Mexico. It's not a temporary vehicle import permit, and it's not your tourist visa or entry paperwork.
Depending on how far south you're going — a weekend in Baja versus a longer mainland trip — the import and entry requirements can differ. Confirm those separately from your insurance.