Mexican Auto Insurance for Tucson

Driving from Tucson into Sonora: what Mexican insurance do you need?

Tucson drivers heading into Sonora need Mexican liability insurance from $23.25 USD per day or $197.00 USD per year, since a US or Canadian auto policy is not valid liability coverage once you cross the border. Full coverage for the same trip runs about $31.62 USD per day or $438.38 USD per year through Chubb. Whether you're aiming for Rocky Point, Kino Bay or San Carlos, you can quote and buy the policy by chat before you even reach Nogales.

Do I need Mexican insurance driving from Tucson to Rocky Point?

Yes. Once you cross the border at Nogales, your Tucson-issued US policy stops counting as liability coverage — Mexican law only recognizes liability written by a Mexican insurer. For the Tucson to Rocky Point run, that means Chubb liability from $23.25 USD per day or $197.00 USD per year, or full coverage from about $31.62 USD per day or $438.38 USD per year, quoted and paid by chat in about two minutes before you reach the border, with the policy PDF landing in your email right after.

What about Kino Bay or San Carlos instead of Rocky Point?

The same policy covers the whole Sonora coast, so it doesn't matter if you're pointed at Rocky Point, Kino Bay or San Carlos — pricing and coverage are set by your vehicle and travel dates, not by the specific town you're driving to.

Do I need a temporary import permit leaving from Tucson?

Not for these Sonora destinations. Rocky Point, Kino and San Carlos all sit inside the Sonora free zone, where the temporary import permit is not required. If your route continues past the free zone into mainland Mexico, the permit rules change, so check that separately before you go.

What should Tucson drivers have ready at the Nogales crossing?

Keep your US or Canadian title/registration, a valid driver's license, and the Mexican insurance policy PDF on your phone — Timi emails it the moment you buy, no printer needed. Anyone towing a trailer or boat toward San Carlos should confirm those specifics in chat, since exact terms depend on the vehicle and dates.

Liability or full coverage for a Tucson to Sonora weekend?

It comes down to how much of your own vehicle you want protected — liability only pays for damage or injury you cause to someone else.

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.

Frequently asked questions

Is one policy enough for Rocky Point, Kino and San Carlos on the same trip?

Yes, one Chubb policy from Timi covers your vehicle for the dates you choose, regardless of which Sonora towns you visit along the way. There's no need for separate coverage per stop.

Can I buy the Mexican insurance while I'm still in Tucson, before crossing?

Yes. The whole process happens by chat on your phone, so you can quote and buy the policy from home, from a gas station in Tucson, or right at the Nogales line before you cross. The PDF arrives by email as soon as you finish.

Does the policy cover a trailer or boat I'm towing to San Carlos?

That depends on the exact vehicle and setup, so it's confirmed in the chat when you quote for your specific dates rather than assumed in advance. Have the trailer or boat details ready when you talk to Timi.

Is off-road or beach driving in Sonora covered under this policy?

Coverage details for off-road use aren't something we can generalize here — it's confirmed in chat based on your vehicle and how you plan to use it. Ask directly when you get your quote.

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