{"id":2058,"date":"2026-01-09T10:13:00","date_gmt":"2026-01-09T10:13:00","guid":{"rendered":"https:\/\/expertoinsurance.com\/blog\/?p=2058"},"modified":"2026-01-09T23:01:35","modified_gmt":"2026-01-09T23:01:35","slug":"requisitos-para-un-seguro-de-auto-en-texas","status":"publish","type":"post","link":"https:\/\/expertoinsurance.com\/blog\/requisitos-para-un-seguro-de-auto-en-texas\/","title":{"rendered":"Requisitos para obtener un seguro de auto en Texas 2026"},"content":{"rendered":"\n<p>Tener una <a href=\"https:\/\/expertoinsurance.com\/seguro-de-auto\/\" target=\"_blank\" rel=\"noreferrer noopener\">aseguranza de autos en Texas<\/a> es un requisito legal en todo USA. Desde el momento en que registras un veh\u00edculo, el estado exige que cuentes con al menos una p\u00f3liza de responsabilidad civil que te cubra de da\u00f1os a terceros.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de contenido<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/expertoinsurance.com\/blog\/requisitos-para-un-seguro-de-auto-en-texas\/#%C2%BFQue_necesito_para_contratar_un_seguro_de_auto_en_Texas\" >\u00bfQu\u00e9 necesito para contratar un seguro de auto en Texas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/expertoinsurance.com\/blog\/requisitos-para-un-seguro-de-auto-en-texas\/#%C2%BFPor_que_son_importantes_los_requisitos_para_la_aseguranza_de_autos_en_Texas\" >\u00bfPor qu\u00e9 son importantes los requisitos para la aseguranza de autos en Texas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/expertoinsurance.com\/blog\/requisitos-para-un-seguro-de-auto-en-texas\/#Requisitos_basicos_para_obtener_un_seguro_de_auto_en_Texas\" >Requisitos b\u00e1sicos para obtener un seguro de auto en Texas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/expertoinsurance.com\/blog\/requisitos-para-un-seguro-de-auto-en-texas\/#Requisitos_economicos_minimos_en_Texas\" >Requisitos econ\u00f3micos m\u00ednimos en Texas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/expertoinsurance.com\/blog\/requisitos-para-un-seguro-de-auto-en-texas\/#%C2%BFSe_puede_obtener_un_seguro_sin_licencia_en_Texas\" >\u00bfSe puede obtener un seguro sin licencia en Texas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/expertoinsurance.com\/blog\/requisitos-para-un-seguro-de-auto-en-texas\/#Consejos_para_facilitar_el_proceso_de_aseguramiento\" >Consejos para facilitar el proceso de aseguramiento<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_necesito_para_contratar_un_seguro_de_auto_en_Texas\"><\/span><strong>\u00bfQu\u00e9 necesito para contratar un seguro de auto en Texas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A continuaci\u00f3n, te compartimos una gu\u00eda con los requisitos b\u00e1sicos, documentos que debes preparar y algunos consejos para que tu tr\u00e1mite sea r\u00e1pido y sin complicaciones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_son_importantes_los_requisitos_para_la_aseguranza_de_autos_en_Texas\"><\/span><strong>\u00bfPor qu\u00e9 son importantes los requisitos para la aseguranza de autos en Texas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Los principales requisitos que piden las aseguradoras para proteger a tu coche son:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verificar tu identidad y domicilio.<\/li>\n\n\n\n<li>Conocer tu historial de manejo.<\/li>\n\n\n\n<li>Calcular el costo de tu p\u00f3liza seg\u00fan tu perfil.<\/li>\n\n\n\n<li>Cumplir con las regulaciones estatales.<\/li>\n<\/ul>\n\n\n\n<p>Cumplir con estos requisitos no solo asegura que tu p\u00f3liza sea v\u00e1lida, sino que tambi\u00e9n te ayuda a obtener <strong>mejores tarifas<\/strong> y opciones de cobertura.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Requisitos_basicos_para_obtener_un_seguro_de_auto_en_Texas\"><\/span><strong>Requisitos b\u00e1sicos para obtener un seguro de auto en Texas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Los documentos y datos que debes presentar a las aseguradoras son los siguientes:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Identificaci\u00f3n oficial<\/strong>\n<ul class=\"wp-block-list\">\n<li>Licencia de conducir de Texas (vigente).<\/li>\n\n\n\n<li>Tambi\u00e9n puede aceptarse pasaporte o ITIN en el caso de clientes indocumentados.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Prueba de domicilio en Texas<\/strong>\n<ul class=\"wp-block-list\">\n<li>Recibos de luz, agua, gas o contrato de arrendamiento.<\/li>\n\n\n\n<li>Esto confirma que resides en el estado.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Informaci\u00f3n del veh\u00edculo<\/strong>\n<ul class=\"wp-block-list\">\n<li>N\u00famero de identificaci\u00f3n vehicular (VIN).<\/li>\n\n\n\n<li>A\u00f1o, marca, modelo y caracter\u00edsticas.<\/li>\n\n\n\n<li>Uso principal del veh\u00edculo (personal, trabajo, etc.).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Historial de manejo<\/strong>\n<ul class=\"wp-block-list\">\n<li>Multas, accidentes o infracciones anteriores.<\/li>\n\n\n\n<li>Este factor influye mucho en el precio de tu seguro.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Pago inicial<\/strong>\n<ul class=\"wp-block-list\">\n<li>Muchas aseguradoras solicitan un anticipo para activar la p\u00f3liza, aunque tambi\u00e9n existen opciones de <strong>pago mensual<\/strong>.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Requisitos_economicos_minimos_en_Texas\"><\/span><strong>Requisitos econ\u00f3micos m\u00ednimos en Texas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El estado exige que tu seguro cumpla con la cobertura por Responsabilidad Civil <strong>30\/60\/25:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$30,000 d\u00f3lares por lesiones a una persona.<\/li>\n\n\n\n<li>$60,000 d\u00f3lares por lesiones a varias personas en un accidente.<\/li>\n\n\n\n<li>$25,000 d\u00f3lares por da\u00f1os a propiedad ajena.<\/li>\n<\/ul>\n\n\n\n<p>Esto es lo m\u00ednimo para circular legalmente, aunque muchas personas optan por coberturas m\u00e1s completas (<em>full cover<\/em>) que protegen tambi\u00e9n su propio veh\u00edculo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSe_puede_obtener_un_seguro_sin_licencia_en_Texas\"><\/span><strong>\u00bfSe puede obtener un seguro sin licencia en Texas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>S\u00ed, aunque con restricciones. Algunas aseguradoras te permiten contratar el seguro a nombre del propietario del veh\u00edculo, pero registrado como conductor principal a alguien con licencia validada. &nbsp;<\/p>\n\n\n\n<p>Tambi\u00e9n existen opciones con <strong>ITIN o pasaporte<\/strong> como alternativa de identificaci\u00f3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consejos_para_facilitar_el_proceso_de_aseguramiento\"><\/span><strong>Consejos para facilitar el proceso de aseguramiento<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ten tus documentos a la mano antes de cotizar.<\/li>\n\n\n\n<li>Compara precios en varias aseguradoras; las diferencias pueden ser grandes.<\/li>\n\n\n\n<li>Mant\u00e9n tu historial de manejo limpio, ya que cada infracci\u00f3n puede incrementar tu prima.<\/li>\n\n\n\n<li>Pregunta por descuentos, como los de buen conductor, pago anual o m\u00faltiples autos asegurados.<\/li>\n<\/ul>\n\n\n\n<p>Los requisitos para obtener un seguro de auto en Texas son bastante accesibles: solo necesitas tu identificaci\u00f3n, domicilio, datos del veh\u00edculo y estar dispuesto a cubrir al menos la cobertura m\u00ednima obligatoria.<\/p>\n\n\n\n<p>En <a href=\"https:\/\/expertoinsurance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experto Insurance<\/a> puedes encontrar opciones de aseguranza acorde a tus necesidades y presupuesto.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-circular\"><a class=\"wp-block-button__link has-white-color has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background has-text-color has-background wp-element-button\" href=\"https:\/\/www.expertoinsurance.com\/seguro-de-auto\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a1<strong>Cotiza ahora<\/strong>!<\/a><\/div>\n<\/div>\n\n\n<script>  const tipoform = \"auto\";<\/script>","protected":false},"excerpt":{"rendered":"<p>Tener una aseguranza de autos en Texas es un requisito legal en todo USA. Desde el momento en que registras [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":2059,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[125],"tags":[],"class_list":["post-2058","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Requisitos para obtener un seguro de auto en Texas 2026<\/title>\r\n<meta name=\"description\" content=\"Los requisitos para obtener un seguro de auto en Texas son: tu identificaci\u00f3n, domicilio, datos del veh\u00edculo y cobertura m\u00ednima obligatoria.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" 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