Yes — Chubb Tourist Auto can be issued with higher liability limits than the base $100,000; the exact top limit and price depend on your vehicle type, and motorhomes or RVs cap lower than passenger cars.
If you're driving a newer truck, a big SUV, or towing a fifth-wheel through Sonora or the Baja peninsula, that base limit can feel thin. Here's what actually changes when you raise it — and what doesn't.
What $100,000 liability actually pays for
Mexican liability coverage (RC) pays third parties, not you. It covers the other driver's medical bills, funeral costs, property damage to their vehicle, and legal defense or bail-bond assistance if the other side sues or presses charges.
It does not repair your own car — that's a separate coverage. See how deductibles work in our full-coverage guides.
One at-fault fatality in Mexico — medical, funeral, and legal costs combined — can realistically exceed $100,000, especially near border-region hospitals. Higher limits exist for exactly that scenario.
Why careful drivers ask for RC Plus
Two situations push people to look past the base limit:
- A fatality or serious injury claim, where medical, legal, and property costs stack fast.
- Hitting a new, expensive vehicle — a current-model truck or SUV can cost more than $100,000 to replace.
If either scenario worries you more than a few extra dollars a day, ask for RC Plus when you request your quote on the Tourist Auto quoter. Timi issues these policies online by chat in minutes, backed by Chubb.
Does a higher limit change your deductible? No.
Raising your liability limit only affects what's paid to third parties. Your own physical-damage deductible on full coverage stays exactly the same — liability and damage coverage are priced and adjusted independently.
Sedans, trucks, and RVs don't play by the same rules
🚗 Passenger cars & SUVs
Usually the widest range of liability limits available, including options above $100,000.
🛻 Pickups & newer trucks
Higher limits are common here too — this is often where the upgrade makes the most financial sense.
🚐 RVs & motorhomes
Cap lower than passenger vehicles. See driving Baja in an RV for what to expect at the border.
Not every vehicle can be issued at $400,000 or $500,000, and $1,000,000 isn't available across the board. The top limit Chubb will underwrite depends on your specific unit — confirm it before you cross, not after.
Reference pricing: same sedan, base limits
These numbers are for a 2022 sedan, $20,000 declared value, all Mexico — your own quote will differ by vehicle, coverage, and dates.
| Days | Liability only ($100k + $2k medical) | 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.
Before you request RC Plus
- Know your vehicle's year, make, model, and declared value.
- Decide your travel dates and whether you're staying in Baja/Sonora zones or going all-Mexico.
- If it's an RV or motorhome, have the length and class handy — it affects the top limit available.
- Ask specifically for RC Plus; base quotes default to $100,000.
Insurance isn't your import permit or your visa
Your liability policy — even at a higher limit — doesn't replace your temporary vehicle import permit (TIP) or your FMM tourist entry. Those are separate processes with the Mexican government, not something your insurer issues.
Snowbirds heading through Valle de Guadalupe or down the peninsula often juggle all three on the same trip — keep them straight so nothing holds you up at the border.