Mexican Auto Insurance for Nogales

Mexican Auto Insurance for Nogales AZ to Nogales Sonora Crossing

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.

What do I actually need to cross at Nogales?

A US or Canadian auto insurance policy does not satisfy Mexican liability law once you cross at Nogales. You need a policy issued by a Mexican insurer, and Timi sells the Chubb policy by chat in about 2 minutes on your phone, with the PDF landing in your email before you reach the line. No forms, no waiting room.

Do I need a permit if I'm heading to San Carlos or Rocky Point from Nogales?

If your route from Nogales stays inside the Sonora free zone — the northwest of the state down to Empalme, which takes in Puerto Peñasco, Golfo de Santa Clara, Hermosillo, Kino, Guaymas and San Carlos — the vehicle needs no permit. South of Empalme it needs the "Sólo Sonora" permit (no deposit), and beyond Sonora the regular TIP. Confirm your exact route before you leave Tucson or Nogales so you're not caught unsure at a checkpoint.

Nogales, Arizona drivers heading to San Carlos or Rocky Point — what's different?

Both destinations sit in the free zone mentioned above, but they're reached by different roads out of Nogales, so double-check which highway your GPS is routing you on before you commit to a coverage window. If you're a regular border crosser working the wider Sonora coast, an annual policy avoids re-buying every trip; if this is a one-time weekend, the daily rate covers exactly the days you're south of the line.

What do Nogales crossers usually get wrong?

The two most common mistakes: assuming a US policy's 'Mexico coverage' add-on satisfies Mexican law (it doesn't, for liability purposes), and buying insurance for fewer days than the actual trip, including the day you plan to drive back through Nogales. Count both crossing days into your term.

What should I have ready before I cross at Nogales?

Have your vehicle's plate number, VIN, and your travel dates ready — that's what the chat needs to quote and issue the policy. Read the coverage details in the Chubb policy summary before you go, and see the guides for border-specific tips if this is your first Nogales crossing.

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.

Frequently asked questions

Do I need a temporary import permit driving from Nogales to San Carlos or Rocky Point?

If your trip stays inside the Sonora free zone — which runs down to Empalme and includes Puerto Peñasco, Golfo de Santa Clara, Hermosillo, Kino, Guaymas and San Carlos — no permit is required. South of Empalme you need the "Sólo Sonora" permit (no deposit); beyond Sonora, the regular TIP. Confirm your specific route before you leave, since the requirement depends on where you're actually driving, not just where you cross.

Are policy fees included, and is there Mexican tax?

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 this policy cover my RV or rental car crossing at Nogales?

Vehicle type and use affect what applies, so that gets confirmed in the chat using your specific vehicle and travel dates rather than assumed here. Have the plate and VIN ready when you quote so the details match your exact car or rented vehicle.

Is a Mexican policy sold by an agent in Nogales, Arizona the same as buying from Timi online?

Timi sells the same underlying product: a policy issued by Chubb Mexico, with claims handled by Chubb 24/7. The difference is how you buy it — by chat from your phone in about 2 minutes, with the PDF emailed to you, instead of an in-person office visit near the border.

Keep reading: Rocky Point · Sonora · Phoenix · Phoenix to Rocky Point · San Carlos, Sonora · Baja California · All Mexico destinations & questions · All Timi guides