Mexican Auto Insurance for Sayulita

Do I need Mexican car insurance for Sayulita, San Pancho or Punta Mita?

Full coverage for a Sayulita trip runs from about $31.62 USD per day or $438.38 USD per year, with liability-only from $23.25 USD per day or $197.00 USD per year, both issued by Chubb. Anyone driving a US or Canadian-plated car down Highway 15/200 into Riviera Nayarit needs a Mexican liability policy before crossing, since a US or Canadian auto policy is not valid coverage in Mexico. Sayulita sits on the mainland, so plan on the temporary import permit too, not just insurance.

Do I need Mexican insurance for Sayulita, San Pancho or Punta Mita?

Yes. Mexican law only recognizes liability coverage written by a Mexican insurer, so the policy your US or Canadian insurer sold you does not count once you cross the border. This applies the same in Sayulita as it does in San Pancho or Punta Mita — the policy covers the vehicle, not a single town, so you are protected the whole time you are parked, driving the cobblestones, or out to Puerto Vallarta for the airport.

Is Highway 15/200 covered from the border all the way down to Sayulita?

The Chubb policy Timi sells is valid for driving anywhere in Mexico, so the stretch of Highway 15/200 through Sinaloa and Nayarit down to Sayulita is included, along with any side trip up to Mazatlán or further south along the coast.

Do I need a temporary import permit (TIP) for Sayulita?

Yes. Sayulita and the rest of mainland Nayarit are outside the Baja and Sonora free zones, so the TIP is required in addition to insurance. Insurance and the TIP are two separate things: Timi handles the insurance by chat, but you will still need to sort the permit through Banjercito before you drive south of the border zone.

What about surfboards, roof racks or a small trailer for the trip?

The facts we can confirm here are the price and that coverage is written for the vehicle you register at purchase. Anything specific about racks, boards or towing is worth confirming in the chat for your exact vehicle and dates, rather than assuming it is automatically included.

How fast can I get coverage before I reach Punta Mita?

Quoting and buying happens by chat from your phone in about two minutes, with the policy PDF landing in your email right after — no forms, no waiting on hold. That means you can sort it from a gas station on the way down, well before you hit the Punta Mita turnoff.

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

Does the policy cover me in Punta Mita and San Pancho too, or just Sayulita?

The policy travels with the vehicle, not with a single town, so it is valid throughout Riviera Nayarit including San Pancho and Punta Mita, and anywhere else in Mexico you drive during the coverage period.

What if my trip continues past Sayulita to Puerto Vallarta or Mazatlan?

One policy covers driving anywhere in Mexico, so a Sayulita trip that extends to Puerto Vallarta or Mazatlan is already included. If you travel to Mexico often, the annual option avoids buying a new policy for each trip.

Do I still need the temporary import permit if I only stay in Sayulita?

Yes. Sayulita is on the mainland outside the Baja and Sonora free zones, so the TIP is required regardless of how short the stay is. This is separate from insurance and is handled through Banjercito.

Is a rental car covered the same way as my own vehicle?

The price and coverage described here apply to a vehicle you register at purchase. Details for a rental situation vary, so it is best confirmed in the chat for your exact vehicle and travel dates rather than assumed.

Keep reading: Rocky Point · Baja California · Daily coverage · Travel trailers · Progressive & Mexico · Allstate & Mexico · All Mexico destinations & questions · All Timi guides