Mexican auto insurance comparison: what actually matters

Comparing Mexican Auto Insurance Prices: Chubb, Qualitas, Zurich Explained

Chubb reference: $23.25 USD for 1 day of liability-only coverage or $31.62 for full coverage. Tax and fees included. 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.

How does Chubb Mexican insurance compare to Qualitas or Zurich?

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.

Is my US or Canadian auto policy valid liability coverage in Mexico?

No. Mexican law only recognizes liability coverage issued by a Mexican insurer, so the policy from home — no matter how good the coverage is up north — doesn't satisfy that requirement once you cross. That's the real comparison that matters for this trip: not carrier A vs carrier B, but home-country coverage vs. a Mexican policy.

Can I compare prices without giving my email first?

Yes. Timi shows Chubb's price for your exact car and dates in chat before asking for an email or any form. The whole quote-and-buy process takes about two minutes from your phone, and the policy PDF lands in your inbox right after you pay.

What should I have ready before comparing coverage for a US or Canadian-plated car?

Have your license plate, VIN, model year, and your exact entry and exit dates ready — that's what changes the price, not the brand on the policy. If you're only crossing for a couple of days, check weekend trip or daily coverage pricing instead of the annual rate. If your trip covers more of the country over a longer stretch, all-Mexico coverage is the one to look at. You can also read more about the policy itself on Chubb Mexican insurance or see why Timi before you commit.

Does comparing by route or destination change the price?

The price depends on your car, your coverage level, and how many days or months you need — not which part of Mexico you're driving to. Whether you're headed to Baja, the mainland, or anywhere else, the Chubb rate structure above applies the same way; only the dates and coverage tier move the number.

Frequently asked questions

Can Timi show me a Qualitas or Zurich price to compare against Chubb?

No, Timi only sells and quotes Chubb's Mexican auto policy, so we can't generate a Qualitas or Zurich price for comparison. If you want to compare, you'd need to check those insurers directly; on our end you'll only ever see Chubb's rate.

Is the annual price better value than paying daily?

There's no published rate for partial periods like a week or a season, so we can't say the annual price is close to or better than a string of daily rates — they're priced independently. Pick liability or full coverage and the day range or the annual term that actually matches your trip, and the chat will show the exact number.

Can I start with liability and upgrade to full coverage later?

Coverage details for your specific vehicle and dates are confirmed in the chat, so the best way to know what's possible for your situation is to ask there before you buy. What we can confirm is the published pricing: liability from $23.25/day or $197.00/year, full coverage from about $31.62/day or $438.38/year.

Does one annual policy cover multiple trips into Mexico during the year?

An annual policy runs for a full year from the start date you choose, covering the vehicle for that period. Specific questions about multiple entries or trips during that year should be confirmed in chat for your exact vehicle and travel pattern.

Keep reading: Weekend trip · Daily coverage · Crossing today · Urgent / Right now · Temporary coverage · All Mexico · All Mexico destinations & questions · All Timi guides