Geico Auto Insurance: Ssn-Free Coverage In Texas

Texas has one of the highest numbers of uninsured drivers in the United States, with approximately 12% of its drivers lacking car insurance in 2023. Texas law mandates that all drivers must carry at least the minimum liability coverage, which includes $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage.

Auto insurance companies in most states require your Social Security Number (SSN) to check your credit history and criminal record to help determine your insurance rates. However, some companies provide car insurance without an SSN, and some states don't allow or require its use. While GEICO offers auto insurance in Texas, it is unclear if they require an SSN.

Geico offers auto insurance in Texas

GEICO offers competitively priced auto insurance in Texas, with a range of discounts available to help you save money. The company provides a fast and free quote for its outstanding coverage, and you can easily manage your policy and access your digital ID card 24/7 through the GEICO Mobile App.

Texas has a high number of uninsured drivers, and the state also experiences severe weather events that can lead to increased insurance rates due to comprehensive coverage claims. Texas law mandates that all drivers carry at least the minimum liability coverage, which includes $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage.

While auto insurance companies in most states require your Social Security Number (SSN) to check your credit history and criminal record, it is still possible to get car insurance without an SSN. Some states don't allow or require companies to use your SSN, and you can get a quote from GEICO without providing this information. However, providing your SSN may help you obtain a lower insurance rate.

If you're a new resident of Texas, you have 90 days to secure a Texas driver's license. You will need to provide proof of identity, your Social Security Number, proof of Texas vehicle registration and liability insurance (if you own a vehicle), and complete the required forms available at any Texas Driver License office. You will also need to pay the required fee and surrender any valid out-of-state license.

Texas law mandates that all drivers have a minimum level of auto insurance

Texas is a fault state, meaning the driver deemed responsible for an accident will have their insurance cover the damages. In no-fault states, each person's insurance coverage pays for their own damages, regardless of who caused the accident. This is why Texas law requires drivers to have a minimum level of auto insurance.

The minimum coverage required by Texas law may not be enough to fully protect you in the event of an accident. The cost of emergency care can quickly exceed the minimum liability limits, especially if multiple people are injured. Additionally, Texas law does not require drivers to carry collision or comprehensive coverage, which pays for repairs or replacement of your vehicle. If you're looking for more comprehensive coverage, you may want to consider adding extra coverage or increasing your liability limits.

Driving without insurance in Texas is illegal and can result in penalties such as fines, vehicle impoundment, suspension of your driver's license, and even jail time. Texas recently ended the "Texas Driver Responsibility Program," which imposed an extra $250 per year for three years after offenses such as driving without insurance. However, the state still imposes fines of up to $1,000 for second and subsequent offenses, emphasizing the importance of maintaining at least the minimum level of auto insurance.

Auto insurance companies use your SSN to check your credit history and criminal record

Auto insurance companies use your Social Security Number (SSN) to check your credit history and criminal record. This information is used to help determine your insurance rates.

Based on your criminal background check, the insurance company will be able to see whether you've ever committed insurance fraud, vehicular manslaughter, or other crimes that might impact your auto insurance rates. If you have a criminal record, you might need to purchase high-risk insurance.

Providing your SSN also allows insurance companies to check your credit score. Your rates will vary based on your credit score. Drivers with poor credit are more likely to pay higher rates since companies consider them more likely to file a claim. If the insurance company thinks you're at high risk of filing claims, your auto insurance rates will be higher to compensate for the expense it'll eventually incur.

While most auto insurance companies require your SSN, you can still get car insurance without one. Some states don't allow or require companies to use it, although providing your SSN might help you get a lower insurance rate.

You can get car insurance without an SSN, but it may be more expensive

Yes, it is possible to get car insurance without a Social Security Number (SSN), but it may be more expensive. While some states don't require an SSN to get car insurance, in most states, auto insurance companies use your SSN to check your credit history and criminal record to determine your insurance rates. A poor credit score may lead to a higher rate.

If you don't provide your SSN, you may have to pay higher rates as companies consider you more likely to file a claim. However, some states, such as California, don't require your SSN, and in some states, your credit record can't be used to calculate your rates.

In most cases, you will need to provide an SSN to get a driver's license, which is almost always necessary to get car insurance. As of 2021, 16 states allow unauthorized immigrants to obtain driver's licenses without an SSN. These states may have other insurance requirements, such as proof of a foreign driver's license or in-state tax returns. Some states allow drivers to apply for a license with an Individual Taxpayer Identification Number (ITIN).

If you're looking for car insurance without an SSN, you can compare rates from multiple insurers, as some companies will be more lenient than others. You can also contact an independent insurance agent with contacts at multiple insurance companies, who can help you find a policy that doesn't require an SSN.

GEICO offers car insurance in Texas but it is not clear whether they require an SSN. They do, however, offer a variety of car insurance discounts that could save you money.

Some states don't allow or require companies to use your SSN

While auto insurance companies in most states require your Social Security number (SSN), it is not mandatory in some states. This is because some states don't allow or require companies to use your SSN.

In these states, your credit record cannot be used to calculate your insurance rates. However, insurance companies will still need to verify your identity, and not having an SSN may result in higher insurance rates.

Some states that don't require an SSN when applying for car insurance include California and 16 other states that allow unauthorized immigrants to obtain driver's licenses without an SSN.

If you're uncomfortable providing your SSN, you can ask the insurance company about alternative ways to verify your identity. These may include requesting additional documentation or using other identification numbers, such as an Individual Taxpayer Identification Number (ITIN).

Frequently asked questions