What car insurance do I need for Rocky Point?

What car insurance do I need for Rocky Point?

For a 3-day Rocky Point trip, Chubb reference totals are $33.75 USD liability-only or $58.86 full coverage, including tax and policy fees.

Plan the whole Puerto Peñasco visit

Rocky Point and Puerto Peñasco are the same destination. Quote the dates when the car will be in Mexico, including the return drive. A hotel booking for two nights does not automatically mean that a two-day policy spans every insured hour you need. Check the start and end times before you pay.

A weekend from Arizona

Drivers preparing a Phoenix or Tucson trip often compare a short policy with a longer one for repeat visits. Use the three-day and seven-day totals below as examples for the same sedan. If you add a visit elsewhere in Sonora, tell the chat the complete itinerary so that the selected territory matches it. Border-entry and vehicle-document rules must be checked separately from insurance.

Beach plans and the insured vehicle

Describe the vehicle and how it will be used accurately. A policy for a private car should not be treated as permission for off-road use, racing or a different vehicle. If the trip involves an ATV, motorhome or trailer, ask for the relevant eligibility and coverage review before buying. Save the policy and insurer's contact details before leaving your accommodation.

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

How much is the weekend reference?

For three days, the reference is $33.75 USD liability-only or $58.86 USD full coverage for the example vehicle, including fees and tax.

Is insurance the same as an import permit?

No. Insurance, vehicle import rules and immigration documents are separate. Check the official requirements for your vehicle and complete route.

Can I add more days if my plans change?

Ask Timi before the current policy expires. Confirm the available option and its new dates in the issued document; do not assume an extension is automatic.

Keep reading: Sonora · Nogales · San Felipe · Phoenix · Tucson · Phoenix to Rocky Point · All Mexico destinations & questions · All Timi guides