Every week riders cross into Baja, Sonora and beyond — desert runs, taco runs, the full Baja loop. The rule at the border is the same for a motorcycle as for a car: your US or Canadian policy is not valid in Mexico, and Mexican liability coverage is legally required. Here is exactly what you need, with real prices, not "starting at" teasers.
What Mexican law requires
Mexico requires liability coverage issued by a Mexican-licensed insurer — it pays for damage you cause to other people and their property. On federal highways (which includes every highway to and from the border) it is explicitly mandated by federal law. Without it, an accident means paying damages out of pocket and a much longer conversation with authorities.
From our live quoting engine, for a motorcycle with $100,000 CSL liability: $33.03 USD for 3 days, $53.07 for 7 days, or $190.00 for a full year. Add physical damage and theft on a $12,000 bike and a week costs $96.96 (3 days: $51.84). No Mexican tax, no hidden fees.
Liability-only or full coverage?
Liability-only is the legal minimum and covers what you do to others — not your bike. Full coverage adds physical damage and theft, and theft is worth taking seriously: motorcycles are the most stolen vehicle type in Mexico — 1 out of every 3 stolen vehicles is a bike, and most are taken while parked. If your bike is worth five figures and it sleeps outside a hotel in Ensenada, the extra ~$44 for the week is cheap peace of mind.
The one thing riders should know beforehand
Medical expenses coverage is not available on motorcycle policies in Mexico. This is an insurer-side restriction for two-wheelers across the market, not a fine-print trick. Ride with your own health insurance or a travel medical policy that covers Mexico — many do. Your liability coverage still protects you against what you cause to others.
Group rides: every bike needs its own policy
Insurance follows the vehicle, not the group. Every rider buys their own policy — which takes about 3 minutes each from a phone: tell the chat your bike, your dates and where you cross, pay by card, and the PDF arrives instantly by email. The whole group can be legal before the kickstands go up.
How to get it
Go to timi.mx/tourist and tell the chat your motorcycle — "Harley Road Glide 2022" or "KTM 890 Adventure 2023". You will see the real price for your dates in seconds. Policies are issued by Chubb México, rated A++ (Superior) by A.M. Best, through Timi, a CNSF-licensed Mexican insurance agent — the same policy you would get through any Chubb channel, minus the paperwork.