Which coast, and why it matters more than the resort
The single biggest decision is Caribbean side or Pacific side, and people usually make it by accident.
Caribbean side is Cancun, the Riviera Maya, Playa del Carmen and Tulum. Calm, clear, warm water you can swim in almost every day. Flat landscape, jungle, cenotes and ruins. The widest resort choice in the country and the easiest first trip.
Pacific side is Los Cabos and Puerto Vallarta. More dramatic scenery, cooler water, better food scene, and a more adult feel. Cabo in particular has a lot of coastline where the undertow makes swimming genuinely unsafe, which is why resort position there is not a detail.
If the point is floating in warm water with a drink, go Caribbean. If the point is scenery, golf, food and atmosphere, go Pacific.
When to go
December through April is the dry, comfortable stretch and it is the peak. Christmas, New Year and spring break are the three expensive walls.
May and early June are my favorite value window. Still reliably good weather, noticeably lower rates, and far fewer people.
Hurricane season runs June through November, with the real risk concentrated from late August into October. The prices in that window look extraordinary for a reason. Sometimes it is worth it and sometimes it is not, and that depends on whether your dates can move. I will give you the honest read rather than the optimistic one, and if you do travel then, we build the trip so a bad week is recoverable.
The safety question, answered plainly
People ask, and they should not feel awkward about it. The honest answer is that Mexico is a large country and conditions vary enormously by state, which is exactly why blanket statements are useless in both directions.
The tourist corridors that most travelers visit are heavily policed and heavily invested in, and millions of Americans visit every year without incident. Advisories are issued state by state, they change, and they are worth reading rather than guessing about. I keep track of where things stand for the areas I book, I will tell you if I would not send my own family somewhere, and I build in the practical things that matter more than headlines: reputable transfers rather than street taxis, resorts with real security, and a plan for getting to and from the airport.
The mistakes that cost people the week
Booking a resort by price without checking the beach. Some well-known properties sit on sargassum-prone or unswimmable stretches. The room is lovely and the water is unusable.
Underestimating transfer times. Some Riviera Maya resorts are ninety minutes or more from Cancun airport. That is fine if you know, and a miserable surprise after a delayed flight with tired kids.
Assuming all-inclusive means everything. Frequently it means the buffet and the well drinks, with the good restaurants, the premium spirits and the water sports charged on top.
Booking Tulum expecting Cancun. Tulum is beautiful, low-key, design-driven, expensive and often has patchy power and limited hot water at the boutique end. It is a wonderful trip for the right person and a shock for the wrong one.
Skipping travel protection in hurricane season. This is the one trip type where it earns its cost most often.