Yes, DACA Recipients Can Get Car Insurance in Texas
If you have DACA status, a valid Employment Authorization Document (EAD), and a Texas driver's license, you have the same right to purchase auto insurance as any other Texas resident. Full stop.
Insurance companies in Texas do not ask about immigration status. They do not report to immigration authorities. They care about one thing: can they verify your identity and driving record so they can issue a policy? With DACA, the answer is yes.
Texas law requires every driver to carry auto insurance. That requirement applies to you — and the insurance market is fully open to you. You are not in a gray area. You are not asking for a special exception. You are a Texas driver who needs coverage, and carriers want your business.
DACA recipients with a valid EAD and Texas DL are treated identically to any other insured driver by every legitimate insurance carrier in Texas. There is no status-based exclusion or surcharge.
Documents You Need for Car Insurance
Getting insured as a DACA recipient is straightforward. Here is what you should bring when you walk into an agency or apply online:
Texas Driver's License
Your primary identification. Issued by Texas DPS with your DACA documentation.
Employment Authorization Document (EAD)
Your I-766 card. This is your proof of lawful presence and work authorization.
Social Security Number
Issued with your DACA approval. Used by carriers for identity verification and driving record checks.
Vehicle Information
VIN number, year, make, model. If financed, your lienholder information.
Proof of Address
Utility bill, bank statement, or lease agreement showing your current Texas address.
Matricula Consular (Optional)
Accepted as supplemental ID by many carriers. Helpful if you have one, but not required.
That is it. No additional immigration paperwork is needed. No special forms. The same documents that got you your Texas driver's license are essentially the same ones that get you insured.
How to Get a Texas Driver's License with DACA
If you do not have a Texas driver's license yet, here is the process. Texas DPS issues standard driver's licenses to DACA recipients — there is no separate or restricted license category.
Gather Your Documents
Valid EAD card (I-766), Social Security card, I-797 DACA approval notice, and two proofs of Texas residency (utility bill, bank statement, lease, etc.).
Visit a Texas DPS Office
Schedule an appointment at your nearest DPS location. Walk-ins are accepted but wait times can be long. DPS offices in DFW include Garland, Grand Prairie, Carrollton, and Fort Worth.
Pass the Required Tests
Vision test, written knowledge test, and driving skills test (if you do not hold a valid license from another state). The written test is available in English and Spanish.
Receive Your License
Your Texas DL will be valid for the duration of your EAD. When you renew your DACA status and receive a new EAD, you renew your license accordingly.
Once you have your Texas DL and SSN, you are fully eligible for auto insurance from any carrier in the state — standard market and non-standard alike.
What Coverage Do You Need?
Texas requires every driver to carry minimum liability coverage. As a DACA recipient, your coverage options and requirements are identical to every other Texas driver:
Texas Minimum Liability (30/60/25)
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $25,000 property damage per accident
Liability-only is the most affordable option and meets Texas legal requirements. It covers damage you cause to others but does not cover your own vehicle.
Full coverage adds collision and comprehensive protection for your own vehicle. This is required if your car is financed or leased, and strongly recommended if your vehicle is worth $7,000 or more.
Uninsured/underinsured motorist coverage is something we recommend for every driver in Texas. Roughly 1 in 5 Texas drivers is uninsured. Adding UM/UIM typically costs $10-$25/month and protects you if an uninsured driver hits you.
How Much Does Car Insurance Cost for DACA Drivers?
Here is the straightforward answer: your DACA status does not affect your insurance rate. Legitimate insurance carriers in Texas price policies based on:
Driving Record
Clean record = lower rates
Age & Experience
Under 25 typically pays more
Zip Code
Urban DFW areas vary
Credit History
No-credit-check options exist
Coverage Level
Liability vs. full coverage
Insurance History
Continuous coverage saves
A DACA recipient who is 28 years old with a clean driving record and two years of continuous coverage will pay the same rate as a U.S.-born citizen with the same profile. There is no immigration-status surcharge from any legitimate carrier.
Typical monthly ranges in DFW for DACA drivers (same as any driver with a comparable profile):
- Liability only: $60 - $150/month depending on driving record and age
- Full coverage: $120 - $280/month depending on vehicle value and deductibles
- With no-credit-check carrier: Rates may be slightly higher, but the difference is typically $15-$30/month
Common Concerns and Myths
We understand that applying for insurance can feel stressful when your immigration status is on your mind. Here are the most common concerns we hear — and the facts.
"Insurance companies report to ICE or immigration authorities."
Insurance companies do not report to ICE, USCIS, or any immigration authority. They are private businesses regulated by the Texas Department of Insurance. They have no obligation and no mechanism to share policyholder data with immigration agencies. This is true for every carrier A-LA works with.
"DACA drivers pay higher rates because of their status."
DACA status is not a rating factor for any carrier. Your rate is based on driving record, age, vehicle, zip code, credit (if applicable), and coverage level. A DACA recipient with a clean record pays the same as any other clean-record driver with the same profile.
"If my DACA expires, my insurance is automatically cancelled."
Your insurance policy is a separate contract. As long as you pay your premium, your policy remains active. Your DACA renewal status does not affect an existing auto insurance policy. However, if your driver's license expires because your EAD expired, you should renew your DACA status and EAD promptly to keep your license valid.
"I need a special type of insurance for DACA holders."
There is no special DACA insurance product. You buy the same auto insurance policies as every other Texas driver: liability, full coverage, or anything in between. Standard market, non-standard market — all options are available to you.
Why DACA Recipients Choose A-LA Auto Insurance
A-LA Auto Insurance has served the DFW immigrant community for years. Our agents understand the unique concerns that DACA recipients bring to the table — and we are here to make the process simple, respectful, and fast.
Bilingual Agents
Every A-LA office has Spanish-speaking agents who can walk you through the entire process in the language you are most comfortable with.
Matricula Consular Accepted
We work with carriers that accept matricula consular as supplemental identification, giving you more flexibility in the documentation process.
No Credit Check Options
Building credit takes time. We have carriers that do not use credit score as a rating factor, so limited credit history does not hold you back.
35+ Insurance Carriers
We shop your quote across more than 35 carriers to find the best rate for your specific profile. More options means better pricing.
13 DFW Locations
Offices throughout Dallas-Fort Worth, including Hampton/Oak Cliff and Pioneer/Arlington — neighborhoods where our community lives and works.
We Understand Your Concerns
Our agents work with DACA recipients regularly. We know what documents you need, which carriers are the best fit, and how to get you covered the same day.
Walk into any A-LA office with your Texas DL, EAD, and vehicle information. Our agents will shop your quote across 35+ carriers and get you covered the same day. No appointment needed.
Frequently Asked Questions
Can DACA recipients get car insurance in Texas?
Yes. DACA recipients with a valid EAD and Texas driver's license can purchase auto insurance from any carrier in Texas. Insurance companies do not ask about or verify immigration status beyond standard identification documents.
What documents do DACA recipients need for car insurance in Texas?
You need a valid Texas driver's license, your EAD card (I-766), Social Security Number, vehicle information (VIN), and proof of address. Some carriers also accept a matricula consular as supplemental ID.
Does DACA status affect insurance rates in Texas?
No. Your rate is determined by driving history, age, vehicle type, zip code, credit history (if applicable), and coverage level — the same factors that apply to every other driver. DACA status is not a rating factor.
Can I get a Texas driver's license with DACA?
Yes. Texas DPS issues driver's licenses to DACA recipients. Bring your valid EAD card, Social Security card, I-797 approval notice, and two proofs of Texas residency. Your license is valid for the duration of your EAD and can be renewed when you renew DACA.
You Belong on the Road. Get Covered Today.
If you have DACA status and a Texas driver's license, you have every right to drive insured in this state. The process is straightforward. The rates are fair. And the carriers we work with treat every customer the same regardless of how they got their Social Security Number.
A-LA Auto Insurance is here to help. We have been doing this for a long time, and we will make sure you walk out with the right coverage at the right price — the same day you walk in.
A-LA Auto Insurance Team
Licensed Independent Insurance Agency — Dallas-Fort Worth, TX
Written by the licensed insurance professionals at A-LA Auto Insurance, a Texas-licensed independent agency with 13 offices across Dallas-Fort Worth. Our bilingual team compares 35+ carriers daily to find the lowest rates — no credit check, no US license required, same-day coverage available.
A-LA Auto Insurance is a Texas Department of Insurance (TDI) licensed agency. For personalized advice, call (866) 252-6116.