Trusted Texas Coverage
Auto Insurance
Reliable coverage for Texas drivers.
Driver license, Matricula, passport, or IDVehicle year, make, model, and VIN if availableCurrent policy if available, or tell us there is no current insurance
Auto Rate Estimator
Est. Monthly
$127/mo
* Estimated preview based on typical Texas rate ranges. Final pricing subject to underwriting.
Before you start
Have the important dates, documents, and contact details ready.
Coverage path
Can I get Texas auto insurance without a current policy or US license?
Yes. Argo can review liability or full coverage for drivers with no current insurance, a lapse, Matricula, passport, foreign license, or same-day proof need.
Have this ready
Driver license, Matricula, passport, or ID
Vehicle year, make, model, and VIN if available
Current policy if available, or tell us there is no current insurance
Preferred text/call method and proof deadline
Reviewed by Argo's licensed insurance agency team. Last updated: June 14, 2026.
Who needs this?
- Daily Commuters
- Teen Drivers
- SR-22 Drivers
- Classic Car Collectors
Expert Tip
"State minimum liability (30/60/25) is rarely enough. One accident with a luxury vehicle could exceed your limits instantly. We recommend higher limits for safety."
Key Features
Liability & Full Coverage
Uninsured Motorist Protection
Multi-Car Discounts
Luxury Vehicle Coverage
Compare Coverage Tiers
Choose the protection that fits your needs
| Coverage Details | State Minimum Liability Only | Most Popular Plus Package Liab + Uninsured | Full Coverage Comp & Collision |
|---|---|---|---|
Damage to Others (BI/PD) | |||
Uninsured Motorist (UM/UIM) | |||
Collision (Your Car) | |||
Comprehensive (Theft/Weather) | |||
Rental Reimbursement | Optional | ||
Roadside Assistance | Optional | Optional | Included |
What's Covered
CoverageIf you cause a crash
Liability coverage pays for bodily injury and property damage you cause to others.
CoverageIf you hit something
Collision pays to repair your own car if you hit another vehicle, pole, or object.
CoverageIf nature strikes
Comprehensive covers non-collision damage like hail, fire, theft, and falling objects.
CoverageIf they have no insurance
Uninsured Motorist pays for your injuries or damage if the at-fault driver is uninsured.
CoverageIf you're stranded
Roadside Assistance helps with towing, jump starts, lockouts, and flat tires.
CoverageIf you get hurt
Medical Payments or PIP helps cover medical bills for you and your passengers.
Common Questions
Everything you need to know about this coverage.
How fast can I get auto insurance in Texas?
Timing depends on complete driver and vehicle details, carrier eligibility, coverage choices, and accepted payment. Proof can be sent after the carrier accepts and activates coverage.
Can I get Texas auto insurance if I do not have a current policy?
Argo can review available carrier options for drivers without a current policy or with a lapse. Eligibility and price depend on the driver, vehicle, ZIP code, coverage, carrier, and payment timing.
Can I get car insurance with a foreign license or matricula?
Some available carriers may review a foreign license, matricula, passport, or other identification. Eligibility depends on the carrier, driver, vehicle, address, and required documents.
What is the difference between liability and full coverage?
Liability covers damage you cause to others and is the Texas legal minimum. Full coverage adds comprehensive and collision, which pay to repair your own vehicle from accidents, theft, hail, and weather. If you have a loan or lease, full coverage is usually required.
Can you insure me if my coverage lapsed?
Argo can review options for drivers with a lapse. Eligibility, price, effective date, and proof timing depend on the driver, vehicle, carrier, and accepted payment.