Mexican Auto Insurance for AAA & Mexico

Does AAA Membership Cover Driving Into Mexico?

No, AAA membership and its roadside plans don't include the Mexican liability insurance the law requires. Mexican-issued liability coverage runs from $23.25 USD per day or $197.00 USD per year, with full coverage from about $31.62 USD per day or $438.38 USD per year (Chubb). AAA members driving a US or Canadian-plated car south of the border need that separate Mexican policy bought before they cross, not instead of AAA, alongside it.

Does AAA travel or roadside coverage protect me in Mexico?

AAA memberships, including AAA Mexico travel discounts and roadside assistance add-ons, are US-based services. Mexican law only recognizes liability insurance issued by a Mexican insurer, so a AAA membership card, an International Driving Permit, or a AAA-branded travel policy does not satisfy that requirement. Your US or Canadian auto policy has the same gap — see Is US insurance valid in Mexico? for the full explanation.

What do AAA members actually need before crossing into Mexico?

You need a Mexican liability policy, and most drivers also carry full coverage for damage and theft since a US or Canadian policy won't pay a Mexican shop or a Mexican third party either way. Timi sells the Chubb policy by chat, quote to PDF in about 2 minutes from your phone, no forms and no separate email step to see the price.

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.

Does it matter which US insurer I have — AAA, GEICO, or Progressive?

No. The gap is the same regardless of who backs your US policy, whether that's GEICO, Progressive, State Farm, Allstate, or USAA. Timi only sells the Chubb Mexican policy, so we can't compare it against your current carrier for you — that comparison is yours to make, and every carrier's page above lays out the same US-vs-Mexico gap.

What should I know about the temporary import permit for my route?

Whether you need a temporary import permit for the vehicle depends on where in Mexico you're driving; it isn't required in Baja California, Baja California Sur, or the Sonora free zone, but it generally is for mainland Mexico beyond the border area. Confirm the exact requirement for your route and dates in the chat, or browse /guides for route-specific notes before you leave.

Why buy the Chubb policy through Timi instead of at the border?

Chubb handles claims 24/7 once you're in Mexico, and Timi is a CNSF-licensed Mexican agent that issues the policy entirely by chat — you see the price first, answer a few questions about the car and dates, and the PDF lands in your email before you reach the line. Read more about the carrier itself at /chubb-mexican-insurance, or see every route and question we cover at /mx.

Frequently asked questions

Can I add Mexican coverage to my existing AAA plan instead of buying a separate policy?

No, AAA does not underwrite the Mexican liability policy itself, so there is nothing to add it to. You need a standalone policy issued by a Mexican insurer, which is what Timi sells through Chubb, separate from and in addition to your AAA membership.

Will AAA roadside assistance still work while I am inside Mexico?

That depends on your specific AAA plan and its stated coverage area, which Timi cannot confirm or describe since it is not our product. What we can confirm is that your Mexican liability and full coverage policy is active for the exact vehicle and dates you enter in the chat.

Does having AAA change what coverage I should buy from Timi?

No, the AAA membership does not change the Mexican insurance requirement or the price. Most drivers with AAA still choose full coverage from about $31.62 USD per day or $438.38 USD per year so damage and theft are covered on top of the required liability.

Is a AAA International Driving Permit the same as Mexican car insurance?

No, an International Driving Permit only relates to your license being recognized to drive; it has nothing to do with insurance. You still need Mexican liability coverage, which starts from $23.25 USD per day or $197.00 USD per year.

Keep reading: Progressive & Mexico · Allstate & Mexico · Is US insurance valid in Mexico? · Do I need Mexican insurance? · Rocky Point · Baja California · All Mexico destinations & questions · All Timi guides