Hi Sailers, We have spent the past three winters in Kino Bay, crossing the border at Nogales. We usually boondock at the Wal-mart the night before, do our last minute shopping and get an early start the next morning..about 7:30. There is also a casino about 40 miles north of Nogales on I-19 where you can also stay. (No hookups).
If you are coming from Tucson, take exit #4 off I-19 and turn left on Mariposa Street which will take you to the Wal-Mart about five blocks on the right. If you turn right on Mariposa, that is the truckers route to cross the border, which is what you would take in the morning.
Wherever you decide to stay, you DO NOT want to drive your RV through downtown Nogales. A friend of ours did and he had his top ripped up by some low-hanging signs; plus the streets are very narrow and much traffic.
From the border, it's 176 miles to Hermosillo; then another 60 miles to Kino. You should cross the border as early as possible so you will arrive in Kino before dark. You will be stopping at Kilometer 21 (about 15 mi. after you cross the border) to do your vehicle paperwork and get your touris visa. Sometimes this can take up to two hrs.
About Mexican insurance: We are currently insured for Mexico through Ada Vis Global Mexico 1-800-909-4457; also we are getting a quote from Vista Group, call 1-866-270-5297, Beth Shipman.
Hope this helps. If you would like information, please feel free to email us. We love Kino Bay and hope you will enjoy it as much as we do.