Policies underwritten by Chubb Seguros México · Timi, licensed Mexican insurance agent
Chubb insurance for US and Canadian vehicles in Mexico. Reference liability prices at Timi: $23.25 USD for 1 day or $197.00 for 1 year. Full coverage: $31.62 for 1 day or $438.38 for 1 year for the reference vehicle. Compare coverage for your vehicle and travel dates.
Reference: 2026-10-12. See the vehicle and coverage in the table below.
Timi appears in the CNSF corporate-agent directory dated June 30, 2026. Chubb issues your policy; Timi helps you quote and buy it.
Verify Timi and see how payment works · Your insurer and claims · Talk to Timi: +1 (424) 438-9592
Real Chubb Tourist Auto reference quotes in USD for all Mexico. 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.
| Duration | Liability only$100k liability + $2k medical | Full coverageadds damage & theft of your car ($20,000 value) |
|---|---|---|
| 1 day | $23.25$23.25/day | $31.62$31.62/day |
| 3 days | $33.75$11.25/day | $58.86$19.62/day |
| 7 days | $54.75$7.82/day | $113.35$16.19/day |
| 30 days30 Days plan | $143.60$4.79/day | $336.71$11.22/day |
| 90 days90 Days plan | $156.45$1.74/day | $361.63$4.02/day |
| 6 months6 Months plan | $179.30$1.00/day | $396.55$2.20/day |
| 1 yearAnnual plan | $197.00$0.54/day | $438.38$1.20/day |
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. Confirm eligible use, deductibles, insured dates and territory before buying. Get your exact quote in the chat.
Liability starts at $23.25 USD per day ($197.00/year) and full coverage from about $31.62 USD per day ($438.38/year, Chubb) — that is the insurance every US or Canadian-plated car needs in Mexico, TIP or not. If your route goes past Baja, Sonora's free zone, or the border strip into mainland Mexico, you will also need a separate Temporary Import Permit from Banjercito for the vehicle itself.
They solve two different problems. The TIP (Temporary Import Permit) is a Banjercito paper that lets you bring a foreign-plated vehicle into mainland Mexico for a set time. Mexican liability insurance is what actually protects you if you cause an accident — a US or Canadian auto policy is not recognized as valid liability coverage south of the border, permit or no permit. Timi handles the second part: quote and buy by chat in about 2 minutes, policy PDF by email, issued by Chubb.
No. The TIP is not required in Baja California, Baja California Sur, or the Sonora free zone that covers Rocky Point, Golfo de Santa Clara, Hermosillo, Kino, Guaymas and San Carlos. Insurance, on the other hand, is needed everywhere in Mexico, including those zones.
If your trip continues past the border zone — say toward San Miguel de Allende or deeper into the interior — plan for both documents: the TIP through Banjercito for the vehicle, and a Chubb policy through Timi for liability or full coverage. Have your title or registration, ID, and travel dates ready; the insurance side takes about 2 minutes on your phone.
Not really — the coverage works the same whether you are staying in the free zone or driving to Copper Canyon. What changes is only whether you also need the TIP. Coverage ranges from a single day up to a full year, so you match the term to your actual dates, not the destination.
| TIP | Mexican insurance | |
|---|---|---|
| Who issues it | Banjercito | Chubb, via Timi |
| Required in Baja/Sonora free zone | No | Yes |
| Required past the border strip | Yes | Yes |
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.
Keep reading: All Mexico · Snowbirds · Rocky Point · Baja California · Daily coverage · Texas drivers · All Mexico destinations & questions · All Timi guides
Travelling in a motorhome or RV, or bringing an ATV or UTV? Price and buy it online, same as a car.
| Route | TIP? | What to know |
|---|---|---|
| Nuevo Laredo or Matamoros for a few hours (dentist, pharmacy) | No, inside the border strip | You still need a Mexican policy for that day. |
| Laredo to Monterrey | Yes | Monterrey is past the border strip: TIP plus insurance. |
| Nogales to Mazatlán or San Miguel de Allende | Yes | The Banjercito office on this route is at the Km 21 checkpoint south of Nogales. |
| Guadalajara or Puerto Vallarta (via Tepic) | Yes | One policy covers the whole drive for its dates. |
| El Paso–Ciudad Juárez to Chihuahua, Creel and the Copper Canyon | Yes | The route leaves the border zone right after Ciudad Juárez. |
| Cancún, Playa del Carmen or Tulum by road | Yes | A multi-day drive across several states: buy the term for the whole trip. |
| Baja California, Baja California Sur and Rocky Point | No | Insurance is still required. In Sonora, a vehicle towing a boat, jet skis, ATVs or motorcycles does not use the free zone and needs a TIP. |
In December and at Easter, the federal Héroes Paisanos program orients Mexican families driving home for the holidays; it is not insurance and not a vehicle permit. In Spanish: seguro para carro con placas americanas.
Policies underwritten by Chubb Seguros México · Timi, licensed Mexican insurance agent
How it works
Quote and buy by chat. Just Chat. Tell Timi about your vehicle and trip, review your coverage and continue to purchase in the same chat.
Enter your vehicle, plates and travel dates. Cars, SUVs, pickups, motorcycles, ATVs/UTVs and motorhomes are all priced instantly.
See Chubb liability and full coverage options, their limits, deductibles and total price.
Choose a plan and complete the required details. For eligible vehicles, pay online and receive your policy.
Why Timi
We built Timi so insuring your car for Mexico is as easy as ordering a ride.
Liability covers damage to others. Add vehicle damage and theft when available for your vehicle.
Reference liability prices at Timi: $23.25 USD for 1 day or $197.00 for 1 year. Full coverage: $31.62 for 1 day or $438.38 for 1 year for the reference vehicle. See the dated example and request your exact quote.
Review territory, dates, insured limits and deductibles before paying.
Timi helps you quote and buy. Chubb handles claims using the contacts on your policy.
Ready?
Quote and buy by chat. Just Chat. Review your coverage and total price before paying.