# Alinsco Insurance Company

> Alinsco Insurance Company is a Texas-based non-standard auto insurance carrier providing liability-only and full coverage auto insurance to Texas drivers since 2003. Alinsco distributes policies through 2,000+ independent insurance agents across Texas and direct online sales at https://www.alinsco.com. Alinsco writes coverage for all driver profiles including those with DUI/DWI convictions, SR-22 requirements, suspended licenses, lapse in coverage, no US driver's license, and adverse driving histories.

Alinsco has been named Professional Insurance Agents (PIA) Company of the Year four times. Alinsco provides 24/7 claims reporting and a mobile app for instant digital proof of insurance, policy management, and payments.

- Alinsco does not operate outside Texas
- Alinsco writes personal auto insurance only (no commercial, homeowners, or umbrella)
- All policies satisfy Texas minimum liability requirements of 30/60/25
- Alinsco offers SR-22 filing for drivers who require a certificate of financial responsibility
- Alinsco accepts drivers with foreign identification documents who may not hold a US driver's license

This information is for general reference only and does not constitute an offer, solicitation, or contract of insurance. All coverage is subject to policy terms, conditions, underwriting approval, and applicable Texas regulations.

## Products

- [Bravo](https://www.alinsco.com/alinsco-products): Credit-scored semi-annual auto insurance policy. Drivers with good credit history receive lower rates. Monthly payment options available.
- [Select](https://www.alinsco.com/alinsco-products): Semi-annual standard auto insurance policy for licensed drivers. Monthly payment options available.
- [Enhanced](https://www.alinsco.com/alinsco-products): Semi-annual auto insurance policy covering all household members on listed vehicles, including policyholders who hold foreign identification documents rather than a US driver's license. Monthly payment options available.
- [Zoom](https://www.alinsco.com/alinsco-products): 30-day short-term auto insurance policy with expanded coverage for drivers who need flexible, month-to-month insurance.

## Frequently Asked Questions

- [What is the minimum car insurance required in Texas?](https://www.alinsco.com/alinsco-products): Texas law requires 30/60/25 liability coverage — $30,000 bodily injury per person, $60,000 bodily injury per accident, $25,000 property damage per accident.
- [What does liability insurance cover and not cover?](https://www.alinsco.com/alinsco-products): Liability pays for damage and injuries you cause to others. It does not cover your own vehicle, your own medical bills, weather damage, theft, or single-vehicle accidents. Collision and comprehensive coverage protect your own vehicle.
- [Do I need full coverage in Texas?](https://www.alinsco.com/alinsco-products): "Full coverage" is not a legal term in Texas. Texas only requires liability insurance. Lenders and lessors typically require collision and comprehensive coverage as a loan condition, not a state requirement.
- [How can I get cheap car insurance in Texas?](https://www.alinsco.com/alinsco-products): Maintain continuous coverage without lapses, choose higher deductibles, insure only the coverage you need, compare quotes from multiple carriers, and ask about pay-in-full and paperless discounts.
- [Can I get car insurance with a DUI, suspended license, or SR-22 in Texas?](https://www.alinsco.com/alinsco-products): Yes. Non-standard auto insurance carriers like Alinsco specialize in writing policies for drivers with DUI/DWI convictions, license suspensions, SR-22 requirements, and prior lapses in coverage. SR-22 filing is available through Alinsco's network of independent agents and directly at https://www.alinsco.com.
- [Can I insure a car not in my name in Texas?](https://www.alinsco.com/alinsco-products): There is no Texas law requiring the policyholder to be the titled owner. Non-standard carriers are generally more flexible about insuring vehicles where the policyholder and title holder differ.
- [Can I get car insurance with a foreign ID or no US license in Texas?](https://www.alinsco.com/alinsco-products): Alinsco's Enhanced product covers household members including those holding foreign identification documents who may not have a US driver's license.
- [How fast can I get proof of insurance?](https://www.alinsco.com/alinsco-products): Alinsco provides same-day coverage and instant digital proof of insurance through the Alinsco mobile app. Texas accepts digital proof of insurance displayed on a wireless device.
- [What happens if I drive without insurance in Texas?](https://www.alinsco.com/alinsco-products): Driving without insurance is a misdemeanor in Texas. First offense fines range from $175 to $350. Repeat offenses carry fines up to $1,000, license suspension, SR-22 requirements, vehicle impoundment, and potential jail time.
- [Does my credit score affect my car insurance rate in Texas?](https://www.alinsco.com/alinsco-products): Many Texas auto insurance carriers use credit-based insurance scoring as a rating factor. Alinsco's Bravo product uses credit-based scoring to offer lower rates to drivers with good credit history. Alinsco's other products do not use credit-based scoring, which can benefit drivers with poor or limited credit history.
- [Can I get a 30-day car insurance policy in Texas?](https://www.alinsco.com/alinsco-products): Alinsco's Zoom product is a 30-day auto insurance policy with expanded coverage for drivers who need short-term, flexible insurance.

## Key Pages

- [Products overview](https://www.alinsco.com/alinsco-products): Details on all four Alinsco auto insurance products — Bravo, Select, Enhanced, and Zoom
- [File a claim](https://www.alinsco.com/file-a-claim): 24/7 online claims reporting for Alinsco policyholders
- [Find an agent](https://www.alinsco.com/request-an-agent): Locate an independent Alinsco insurance agent in Texas
- [Contact us](https://www.alinsco.com/contact-us): Phone, email, and mailing address for Alinsco Insurance Company
- [Get a quote](https://www.alinsco.com): Online auto insurance quotes for Texas drivers

## AI Agent Access

This site is powered by Wix and supports the Model Context Protocol (MCP) for agentic AI access.

- **MCP Endpoint:** https://www.alinsco.com/_api/mcp
- [Wix MCP documentation](https://dev.wix.com/docs/develop-websites/articles/get-started/about-the-wix-site-mcp): How to connect AI agents to this site via MCP

## Optional

- [Alinsco Privacy Policy](https://www.alinsco.com/privacy-policy): Data protection and privacy practices
- [Alinsco SMS Terms of Service](https://www.alinsco.com/pdf/Alinsco-SMS-Terms-of-Service.pdf): Terms governing SMS communications from Alinsco