How to Get Car Insurance with a Foreign License in Texas

Texas has a big Hispanic population, and many may rely on driving to get around the state. Whether it’s commuting to work, dropping kids off at school, or visiting loved ones, having a car in places like Dallas and Houston may be crucial. But if you don’t have a Texas driver’s license, getting car insurance may feel overwhelming. Fortunately, you can find Texas car insurance with a foreign license.   

At Agencia de Seguro de Accesso, LLC (A Abana), we understand that not everyone has a Texas license but still wants to purchase auto insurance. That’s why we work with carriers who can offer car insurance coverage to those with foreign documentation. If you’re a resident of the Lone Star State, here is some information about having a foreign driver’s license in Texas and finding auto insurance that may help you.  

Who can get car insurance without a Texas license? 

In Texas, drivers without a U.S.-issued license may still be eligible for car insurance in Texas, which can include: 

• Residents with a valid driver’s license from their home country  
• Individuals who use a Matricula Consular, which is a government-issued ID from Mexico or certain countries in Central and South America 
• Temporary residents or visitors who may be staying in Texas for work or family  

Can you drive in Texas with a foreign driver’s license? 

Texas allows people to drive with a valid foreign driver’s license for up to one year. If you’re a new resident or just purchased a car in the state, you may also need an auto insurance policy.  

Texas law requires all drivers to carry minimum liability insurance, even if they don't have a Texas-issued license. Liability insurance can help cover damage to a third-party’s vehicle or injuries that you cause after an accident. Because this coverage is mandated by the state, having liability insurance can help you stay compliant with Texas law.  

While not every insurance company accepts foreign licenses, the carriers A Abana works with do. Our team understands the hurdles that Hispanic families may face in Texas and can help you find the insurance that aligns with your needs.  

How to get car insurance with a foreign license in Texas 

Ready to get insured? Here’s what you may need to help you purchase a policy:  

• A valid foreign driver’s license  
• Matricula Consular or passport 
• A Texas address  
• Vehicle information (which may include year, make, model, and VIN number) 

Why choose A Abana for auto insurance? 

At A Abana, we’re proud to support the diverse communities across Texas. Our local agents understand the unique needs of Texas residents, helping them navigate the insurance process with compassion and experience. Whether you need Texas’s minimum liability coverage or a full coverage auto insurance policy, here’s what sets A Abana apart: 

• We have locations across Houston, Dallas, and San Antonio, which can help you find an office that is accessible to your Texas address. 
• Our agents speak both Spanish and English, assisting you with your coverage needs without a language barrier.  
• We work with carriers that accept foreign IDs and licenses and can offer flexible payment plans.  
• Our carriers have various discounts that you may be eligible for, which can help reduce your premium.  

Looking for a policy or having questions about foreign licenses in Texas? Call us today at 214-764-8868 or stop by one of our stores to get a free personalized quote! 

FAQs 

Will I pay more for insurance without a Texas license? 

That depends. Rates can vary based on multiple factors, which may include your driving record, age, and location. If you’re worried about having a high premium, our agents can help you find a policy that works for your budget.  

Can I insure a car that belongs to someone else? 

If you’re driving a car that belongs to someone else, you may be able to purchase a non-owner auto insurance policy. Having the state’s minimum liability on your non-owner policy can help you stay compliant with Texas laws while driving.    

What happens if I get pulled over with foreign documents? 

It may be crucial for you to carry your valid foreign license, proof of insurance, or Matricula Consular when you’re operating a vehicle. These documents can help prove to law enforcement that you’re driving legally. 

 Disclaimer:   
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.