Texas Minimum Car Insurance Requirements
Texas requires all drivers to carry liability insurance: $30,000 bodily injury per person, $60,000 per accident, $25,000 property damage. You must show proof at registration.
Driving without insurance in Texas means fines up to $175 for first offense, license suspension, and SR-22 filing requirement. Police can stop you anytime to verify coverage.
Can Immigrants Get a 驾照 in Texas?
Texas does not issue driver licenses to people without proof of legal presence. You must show a valid passport, visa, or work authorization document to the DMV.
If you cannot get a license, some insurers will quote you based on a foreign license or ID number. Always ask the insurer directly about their requirements.
Best Insurance Options for Immigrants in Texas
Many major insurers accept ITIN numbers instead of SSN in Texas. Call insurers directly and say you have an ITIN—do not lie or use false numbers.
Some Texas insurers: GEICO, State Farm, Progressive, USAA (military/family). Rates vary widely. Get quotes from at least three companies. Buying insurance does not notify ICE or immigration authorities.
Tips for Immigrant Drivers in Texas
Always carry your insurance card and valid ID. Texas police check insurance at every stop. If you do not have a Texas license, keep your foreign license or passport ready.
If pulled over: Stay calm, be polite, keep hands visible. You have the right to remain silent about immigration status. Insurance companies are private—they do not share customer data with ICE under federal law.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $30,000 | Per injured person |
| Bodily Injury (per accident) | $60,000 | Total per accident |
| Property Damage | $25,000 | Per accident |
| Uninsured Motorist | Optional | Not required by law |
| Medical Payments (PIP) | Optional | Not required by law |
📋 Official Sources
Frequently Asked 常见问题
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Most Texas insurers accept ITIN for policy quotes and purchase. Get ITIN at https://www.irs.gov/individuals/individual-taxpayer-identification-number
No. Texas does not issue driver licenses to undocumented immigrants. You need proof of legal presence. Check neighboring states like New Mexico or Oklahoma for alternatives.
Texas requires: $30,000 bodily injury per person, $60,000 per accident, $25,000 property damage. This is the legal minimum to drive legally.
State Farm, GEICO, Progressive, Allstate, and smaller companies like FAIR Plan accept ITIN. Get quotes from multiple companies. Rates vary widely.
Foreign licenses work for insurance if you are visiting. For permanent residents, you need a Texas driver license. International Driving Permit helps but is temporary only.
No. Insurance companies are not immigration enforcement. Your customer data is protected by federal privacy law (Gramm-Leach-Bliley Act). Buying insurance is safe.
Yes, but you must have a valid license from another state, country, or international permit. Some companies insure with ITIN only if you have any valid license. Ask about SR-22 requirements too.
Texas law requires insurance, not a license. If you have valid insurance, you are protected legally. Without insurance, you face fines, license suspension, and civil liability.
Yes. All insurers require a Texas address for coverage. Use your actual residence address. Post office boxes do not work for car insurance.
Yes, ITINs do not expire for insurance and tax purposes. You keep the same ITIN number for life. It is safe to use for insurance quotes.
