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Can You Get Car Insurance Without a License in Texas

Do you have a driver’s license but no car? If so, you may be wondering if you can get car insurance without a license in Texas. The short answer is yes, you can. However, there are some stipulations that you should be aware of before making the switch. In this blog post, we will explore these stipulations and help you understand whether or not getting car insurance without a license is right for you. We alsoSpoiler: it’s not always the best idea!

What is Car Insurance?

The answer to this question depends on your driving record and the state you reside in. If you have never had a ticket or traffic violation, most states will allow you to get car insurance without a license. However, if you have had any tickets or violations in the past, you may need to obtain a driver’s license before you can get car insurance.

Some auto insurers offer lower rates to customers who have driver’s licenses from certain states. Before signing up for a policy, make sure to ask your carrier about their specific requirements.

Types of Car Insurance

There are a few different types of car insurance that you can get in Texas without a license.

Collision insurance covers damage to your car that was caused by another driver. This type of insurance is usually required if you have a car loan or lease. Coverage can range from $10,000 up to $250,000 depending on the auto insurance company.

Personal injury protection (PIP) is similar to collision coverage, but it pays for medical expenses and lost wages if you are injured in a car accident. PIP is usually required by companies that offer car insurance, but it is not always included.

Uninsured/underinsured motorist (UIM) coverage helps pay for damages that you may incur when someone else’s uninsured or underinsured vehicle hits yours. UIM coverage ranges from $100,000 to $300,000 per occurrence.

Towing and labor are also options for Car Insurance Without a License in Texas.

How to Get Car Insurance Without a License in Texas

If you’re not a Texas resident, you may be wondering if you can still get car insurance without a license. Here’s how: If you’re 18 years or older, you can get uninsured motorist coverage without a license. And if you have a valid driver’s license from another state, you can use that to get car insurance in Texas. Note that some companies may require that you have a Texas driver’s license, so it’s important to check with your insurer before getting your policy.


Unfortunately, not everyone requires a driver’s license to get car insurance in Texas. In fact, there are a number of states where you don’t even need a driver’s license to get basic car insurance, such as Texas. However, if you want comprehensive coverage and don’t have motorcycle or commercial liability insurance, then you will need to show proof that you are legally allowed to drive. If you’re not sure whether or not you meet this requirement, it’s best to talk to an agent at your local AAA office.

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