Mexican Auto Insurance for La Paz

Mexican Insurance for the Full Baja Drive to La Paz

Full coverage for the drive down the whole Baja peninsula to La Paz runs about $31.62 USD per day or $438.38 USD per year with Chubb, while liability-only starts at $23.25/day or $197.00/year. Drivers taking a US or Canadian-plated car all the way to La Paz need coverage for the entire route, since a US or Canadian auto policy is not valid liability insurance anywhere in Mexico. The right pick usually comes down to how many days you'll actually be on the road versus buying once for the year.

Do I need Mexican insurance for the whole drive to La Paz, or just at the border?

Coverage applies for wherever the car is in Mexico, not just at the crossing point, so a single policy protects you from the border all the way down the peninsula to La Paz. Many drivers stop along the way in Loreto or swing through Cabo before or after La Paz — the same policy covers those stops, it does not need to be bought town by town.

Do I need a temporary import permit (TIP) to drive into La Paz?

No. Baja California Sur, including La Paz, is inside the zone where the TIP is not required for a standard passenger vehicle. That rule is specific to the Baja peninsula and the Sonora free zone; it does not apply once you cross into mainland Mexico, so it's worth confirming your exact route if the trip continues past Baja Sur.

Is a US or Canadian policy enough for the full-peninsula drive?

No. Mexican law only recognizes liability coverage issued by a Mexican insurer, so a US or Canadian policy does not satisfy that requirement anywhere in the country, including on the highway down to La Paz. That's the gap a Mexican policy from Chubb is built to close.

Daily pass or annual policy for a trip to La Paz?

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.

How do I actually buy this before heading down to La Paz?

Everything happens by chat: you tell Timi the car's details and travel dates, get the price with no form or email required, and pay from your phone in about 2 minutes. The policy PDF lands in your email right after, so it's ready to show before you leave. If La Paz isn't your only stop, the full list of Mexico destinations and the driving guides cover the rest of the route, and Chubb Mexican insurance explains who backs the policy.

Frequently asked questions

Does the policy cover the ferry crossing from La Paz to the mainland?

That depends on how the vehicle is being transported and is confirmed in the chat with your exact dates and route. Don't assume ferry legs are automatically included — ask before you book the crossing.

If I stop in Loreto or Cabo on the way to La Paz, do I need a separate policy?

No. One policy covers the vehicle anywhere in Mexico for the dates you choose, so stops in Loreto, Cabo, or elsewhere on the peninsula are covered under the same policy, not separately.

Are policy fees and tax included?

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.

What if my trip runs longer than the days I bought?

Buy for the dates you're confident about, and if plans change, that's handled through the chat rather than assumed. It's simpler to slightly overestimate your trip length upfront than to run past your coverage window.

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