What insurance do I need for a two-week drive from Los Angeles to Cabo?

What insurance do I need for a two-week drive from Los Angeles to Cabo?

For a two-week Los Angeles to Cabo road trip you need a Mexican policy that covers every day on Mexican roads, and for a 1,000-mile desert drive the right one is full coverage (liability plus damage, theft, legal assistance and roadside help). Chubb reference totals as of 2026-09-17: 7 days $54.75 USD liability only or $113.35 full; 30 days $143.60 or $336.71 (2022 sedan valued at $20,000). A 14-day trip prices between those two; the chat quotes your exact dates. No vehicle import permit is needed anywhere on the Baja peninsula.

What the Baja peninsula drive requires

· Mexican liability policy for every travel day. Your US policy is not valid liability in Mexico; buy the Mexican one for the full window, from the day you cross at San Ysidro or Tecate to the day you come back. · No TIP. Baja California and Baja California Sur are exempt from the temporary vehicle import permit, all the way to Los Cabos. · FMM tourist permit for each person, issued at the border for stays over seven days. · Driver's license, registration and, for a rental, the rental company's Mexico authorization.

Prices for the trip

Chubb Tourist Auto reference totals as of 2026-09-17, 2022 sedan valued at $20,000 USD, all of Mexico, tax and policy fee included. Liability only: $100,000 USD liability + $2,000 medical per person. Your price depends on the vehicle value, dates and territory; the chat shows it before asking for any personal data. Two weeks: liability only lands between $54.75 and $143.60; full coverage between $113.35 and $336.71, depending on your vehicle value. The chat quotes the exact 14-day figure before asking for any personal data.

Why full coverage on this route

Highway 1 crosses long empty stretches with military checkpoints, cattle on the road at night and towns hundreds of miles apart. Full coverage adds damage and total theft of your own car, towing after a covered loss up to the policy sublimit, legal assistance with a bail bond up to $30,000 USD and repair in the US or Canada under the policy specification. Platinum adds a deductible waiver if an uninsured driver hits you.

Route notes

Los Angeles to Cabo San Lucas is about 1,000 miles and two long days each way. Fuel is plentiful on the peninsula but fill up in Guerrero Negro and Loreto; drive by day. The same policy covers La Paz, Loreto and Todos Santos within its dates. If something happens, call Chubb before leaving Mexico: 800 801 0117 in Mexico, +1 877 699 6679 from the US. What to do after an accident · Coverage table · Baja California.

Reference totals for the same car and coverage

Measured 2026-09-23: a 2022 sedan, $20,000 USD declared value for full coverage, all Mexico. Prices are references, not a quote for every vehicle.

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.

Check these details before buying

Liability-only and full coverage solve different needs. Liability concerns covered damage or injury to others; full coverage adds covered damage and theft of the insured vehicle, subject to the policy terms and deductibles. The reference includes $100,000 USD liability and $2,000 USD medical expenses. Your quote and certificate determine the benefits actually purchased.

Have the vehicle registration, VIN, travel dates, declared value and planned territory ready. Check the start and end times on the issued certificate. Save the policy and claims contacts offline before driving; a quote or payment receipt is not the policy. An ATV or UTV is quoted, paid and issued online like any car, with no occupant medical expenses: Chubb does not offer that coverage on those units. An RV or motorhome still needs assistance from an agent.

Sources and the next step

Review Chubb Tourist Auto general conditions alongside the wording delivered with your quote; benefits depend on the selected coverages. Check US official Mexico travel information or Canadian official Mexico travel information for current entry and travel requirements. Insurance does not replace immigration or vehicle import documents.

Read the detailed guide for this trip · Verify Timi and the insurer · Quote your vehicle and dates

Frequently asked questions

Do I need a TIP to drive to Cabo San Lucas?

No. The temporary import permit is not required in Baja California or Baja California Sur, all the way to Los Cabos.

How much does insurance cost for a two-week Cabo trip?

Between the 7-day and 30-day Chubb references: liability only $54.75 to $143.60 USD, full coverage $113.35 to $336.71 USD for a $20,000 sedan. The chat gives the exact 14-day price.

Should I buy liability only or full coverage for Baja?

Full coverage. Liability only pays for damage you cause to others; it does not cover your own car after a collision, a rollover or a theft on a 1,000-mile drive.

Does the policy cover La Paz and Loreto on the same trip?

Yes. It covers the vehicle anywhere in the chosen territory for the dates you set.

Keep reading: Mazatlán · Puerto Vallarta · Sayulita · Las Palmas Mexican Insurance · La Paz · Loreto · All Mexico destinations & questions · All Timi guides