6-month Mexican auto insurance

6-Month Mexican Car Insurance for Snowbirds and Season-Long Trips

Chubb reference: $23.25 USD for 1 day of liability-only coverage or $31.62 for full coverage. Policy fees included; no Mexican tax on this product. Measured 2026-10-12: a 2022 sedan, $20,000 USD declared value for full coverage, all Mexico. Prices are references, not a quote for every vehicle.

Is there a 6-month Mexican insurance policy, or do I need the annual one?

Coverage is sold in terms from 1 day up to 1 year, not in fixed 6-month blocks. If you are planning a season-long stay — a winter in Rocky Point, a spring in Baja, or any trip that stretches past a couple of months — the practical move is the annual term, since it covers the vehicle for the whole stay without you having to track an expiration date mid-trip. You can review the exact terms in how the Chubb policy works before you buy.

What do snowbirds and winter Texans crossing for the season need to have ready?

Have the vehicle's registration, VIN, and your travel dates on hand — that's what Timi's chat uses to build the quote for the exact car and season. If you're a snowbird or a winter Texan driving the same route every year, the process is identical each season: open the chat, confirm the dates, and the policy PDF lands in your email in about 2 minutes.

Does a 6-month trip to Rocky Point work differently than mainland Mexico?

Geography matters here. If your whole season is spent in Rocky Point, Baja California, Baja California Sur, or the Sonora free zone, the temporary import permit (TIP) is not required. If any part of the season includes driving into mainland Mexico beyond the border zone, the TIP applies and you should plan for it separately from insurance. Either way, a US or Canadian auto policy is not valid liability coverage inside Mexico — only a Mexican-issued policy like this one satisfies that.

What do season-long drivers usually get wrong?

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.

Can I quote this without filling out a form?

Yes. Everything happens in the chat: you get a real price for your plates and dates first, then buy only if you want to, with no email required just to see the number. See why drivers use Timi for the full picture, or check all destinations Timi covers in Mexico if your season plan includes more than one region.

Frequently asked questions

Can I buy the annual plan even if I'm only staying in Mexico for 6 months?

Yes. The annual term is priced and sold the same way regardless of how many of the 12 months you actually spend in Mexico — it simply gives you continuous coverage for up to a year from the start date you choose.

What happens if my season trip runs longer than expected?

Coverage is valid through the exact expiration date on the policy, so if your term is close to running out you'd need a new policy for the extra time. Confirm your planned dates in the chat so the term matches your trip as closely as possible.

Does one annual policy cover multiple border crossings during the season?

The policy covers the vehicle for the dates on the document, and snowbirds typically cross in and out of Mexico several times during that period. Confirm entry and exit specifics for your exact plan in the chat.

Do I need the temporary import permit for a 6-month stay in Rocky Point?

No, if you stay within Baja California, Baja California Sur, or the Sonora free zone (which includes Rocky Point), the TIP is not required. It becomes required if your travel extends into mainland Mexico beyond the border zone.

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