Can I get car insurance with a foreign license?

Yes, you can get car insurance in Texas with a foreign driver's license. Companies like Progressive, State Farm, and Farmers accept international licenses during the application process, often requiring a passport, visa, and International Driving Permit (IDP) for verification. Expect to pay 20-40% more (average $108/month for basic coverage) until you obtain a Texas license within 90 days of residency.

What's the fine for driving uninsured?

First offense: $175–$350 fine plus a $250 annual surcharge for three years ($750 total). Second offense: $350–$1,000 fine, license suspension until proof of insurance, and possible vehicle impoundment for up to 180 days. Not worth it—get coverage immediately to avoid escalation.

Does my neighborhood affect insurance rates?

Yes, hugely—safer suburbs like Round Rock or Cedar Park have lower rates (e.g., $1,400–$1,600/year) due to reduced crime and accidents, while urban areas like Houston average $2,500+ annually. Factors include theft rates and traffic; check ZIP-specific quotes for accuracy.

Does "Liability" cover my own car repairs?

No, liability only covers damage or injuries you cause to others. For your own car repairs after an accident, add collision coverage (pays regardless of fault, minus deductible).

Do H-1B companies cover family health insurance?

Usually yes for the employee, but adding family members (spouse/kids) often requires paying extra premiums ($300–$1,000+/month depending on plan). H-1B employers must offer equivalent benefits to U.S. workers, but family coverage is employee-paid; check your offer for specifics.

How does a high Deductible affect price?

A higher deductible lowers your monthly premium (e.g., $1,500 deductible might save $50–$100/month vs. $500). Ideal if you're healthy and rarely claim; pairs well with HSAs for tax savings.

Is Renters Insurance mandatory?

Not by Texas law, but 95% of landlords require it (often $100K+ liability). It's affordable ($15–$25/month) and covers your belongings against fire, theft, and liability—don't skip it.

How much is health insurance without an employer?

Without subsidies, $400–$700/month per person for marketplace plans. With income-based subsidies, it drops to $50–$100; average silver plan is $489/month pre-credit for a 40-year-old.

What is the Special Enrollment Period?

A 60-day window (before/after event) to enroll/change Marketplace plans outside Open Enrollment. Moving to Texas qualifies as a life event, letting you sign up immediately for coverage starting as soon as the next day.

Does auto insurance cover hail damage?

Yes, but only with comprehensive coverage (not basic liability). It pays for dents/cracks minus deductible; Texas hail claims average $5,000—essential in storm-prone areas.

Texas Insurance Guide 2025: Auto, Health & H-1B Visa Survival Tips

Cody Johnson

Author

November 28, 2025

Moving to Texas? Master auto & health insurance rules for 2025. Essential guide for H-1B holders navigating Trump restrictions, the $100k fee rumors & high premiums.

Frequently Asked Questions

Find answers to common questions about this topic.

Sources

References and sources used in this article.

Texas Department of Insurance (TDI)https://www.tdi.texas.gov/

HealthCare.gov (Federal Marketplace)https://www.healthcare.gov/

Texas Department of Motor Vehicles (TxDMV)https://www.txdmv.gov/