Mexican Auto Insurance for Progressive & Mexico

Does Progressive Cover You in Mexico? What to Buy Instead

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.

Does Progressive auto insurance work in Mexico at all?

Some Progressive policies extend a limited amount of physical damage coverage for trips close to the border, but that is not the same thing as Mexican liability insurance. Mexican law only recognizes liability coverage written by a Mexican insurer, so whatever your US declarations page says about 'Mexico coverage,' it will not satisfy an officer or another driver's claim after an accident. If you want the specifics of what your carrier does and does not cover, that's between you and Progressive — Timi only issues and explains the Mexican policy, backed by Chubb.

What do Progressive drivers usually get wrong before a Mexico trip?

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.

Do I need the import permit if I'm driving into Baja or Rocky Point?

If your route stays in Baja California, Baja California Sur, or the Sonora free zone (places like Puerto Peñasco, Golfo de Santa Clara, Hermosillo, Kino, Guaymas or San Carlos), the temporary import permit is not required. Anywhere else on the mainland, past the border zone, it is. Your Mexican liability policy is a separate requirement either way and is needed regardless of the permit.

What should I have ready before I cross with a US or Canadian plate?

Have your plate state or province, VIN, and exact entry and exit dates ready — that's all Timi needs to quote in the chat. No forms, no email required just to see the price. Once you confirm, the policy is issued and the PDF lands in your inbox in about two minutes, ready to show at the border.

If you're comparing what other US carriers say about Mexico, the same rule applies across the board — see how it plays out for GEICO, State Farm or Allstate drivers, or read the full breakdown on is US insurance valid in Mexico. For every other Mexican destination and question, start at timi.mx/mx, or browse the guides for route-specific tips.

Frequently asked questions

Will my Progressive roadside assistance still work once I'm in Mexico?

Timi can't speak to what Progressive covers outside the US, since that's a US policy benefit, not a Mexican one. The Mexican policy Timi sells is issued by Chubb and its terms are confirmed in the chat for your exact vehicle and dates. If roadside assistance abroad matters to you, check that directly with Progressive before you leave.

Can I just keep my Progressive policy and skip Mexican insurance if I only drive a few miles past the border?

No. Mexican law requires liability from a Mexican insurer regardless of how far into the country you go, even for short trips near the border. Distance doesn't change the requirement.

What happens if I have an accident in Mexico with only my Progressive policy active?

Without a Mexican liability policy, you would need to resolve the situation with the other party and Mexican authorities without a Mexican insurer standing behind you. A Chubb policy through Timi provides that liability backing and 24/7 claims support in Mexico.

Do I need to buy a new Timi policy every time I cross, or can one policy cover multiple trips?

A single Timi policy can be bought for anywhere from 1 day up to a full year, so if you cross the border repeatedly within that window, an annual policy avoids buying a new one each time. Match the term to how often you actually cross when you quote in the chat.

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