Monitoring the Session

SB 416

Middleton Bill Requires Proof Of Citizenship To Buy Car Insurance

Died in committee

Verdict: No flags

No flagsInitial review
Sen. Mayes MiddletonRSenate 11

Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to proof of United States citizenship for the issuance or renewal of a personal automobile insurance policy.

Caption from analyzed text · version I.

Summary

Passport, birth record or citizenship papers. Lawful residents have no listed way to qualify.

This bill bars any auto insurer, including county mutual companies, from selling or renewing a personal car insurance policy in Texas unless the customer shows proof of U.S. citizenship. The only accepted proof is an unexpired passport, a certified birth record that establishes identity, or U.S. citizenship papers, so every Texas driver buying personal auto coverage is touched, and non-citizens, including lawful residents, would have no listed way to qualify. Starting with policies issued or renewed on or after January 1, 2026, insurers must collect one of those documents before writing or renewing coverage.

Labels

Labels: NEVER GOT A HEARING. Filed Nov 21, 2024 and referred to the Senate Business & Commerce committee. No public hearing. The bill died.

Receipt

The receipt

89R-SB416 · 2024-11-21

SOLD BY

Sen. Mayes MiddletonRSenate 11

ITEM

relating to proof of United States citizenship for the issuance or renewal of a personal automobile insurance policy.

WHAT IT DOES

Passport, birth record or citizenship papers. Lawful residents have no listed way to qualify.

This bill bars any auto insurer, including county mutual companies, from selling or renewing a personal car insurance policy in Texas unless the customer shows proof of U.S. citizenship. The only accepted proof is an unexpired passport, a certified birth record that establishes identity, or U.S. citizenship papers, so every Texas driver buying personal auto coverage is touched, and non-citizens, including lawful residents, would have no listed way to qualify. Starting with policies issued or renewed on or after January 1, 2026, insurers must collect one of those documents before writing or renewing coverage.

CHARGES

[ ] NONE FOUND

TOTAL

No fiscal note in the loaded record.

HISTORY

  1. Received by the Secretary of the Senate
  2. Filed
  3. Read first time
  4. Referred to Business & Commerce
FILED UNDER

AMNESTY BY PAPERWORK

THE TEXT

…“may not deliver, issue for delivery, or renew in this state a personal automobile insurance policy unless the proposed insured provides to the insurer one of the following documents as proof of United States citizenship”

Bill text, introduced version (I)

The bill makes U.S. citizenship papers a condition of buying personal auto insurance, closing that record to anyone who cannot prove citizenship.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Mayes Middleton

Donors

Texans for Lawsuit Reform PAC$1.14MRussell Gordy$300,000Kenneth Fisher$215,000

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Jul 6, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Texans for Lawsuit Reform PAC$1,140,000.00

Texans for Lawsuit Reform PAC

$1,140,000.00

Cash
$1,140,000.00
Paid by others
$0.00
Total
$1,140,000.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Dec 12, 2024 to Oct 21, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101009502, 101012383, 101061137, 101072395, 101072779.

Russell Gordy$300,000.00
Kenneth Fisher$215,000.00
Money

Missing data does not establish zero giving. Display amounts are rounded.

×

Texans for Lawsuit Reform PAC

$1,140,000.00

Cash
$1,140,000.00
Paid by others
$0.00
Total
$1,140,000.00

Also funds 124 other sitting lawmakers.

Derived recipient stock · Jul 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Dec 12, 2024 to Oct 21, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101009502, 101012383, 101061137, 101072395, 101072779.

Votes

No floor vote loaded for this bill.

Fiscal

No fiscal note in the loaded record.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas Senate · Filed Nov 21, 2024

02/03/2025 S Referred to Business & Commerce

Texas Legislature Online · Introduced

Data snapshot Oct 26, 2026 at 4:19 AM CDT. Grades, charges, quotes and corrections follow the published record.

Senate committee · Business & Commerce · Final status: Died in committee

Subjects

Aliens

Insurance--Motor Vehicles

Vehicles & Traffic--Driver's Licenses

Vehicles & Traffic--Insurance/Financial Responsibility

BIRTH & DEATH CERTIFICATES

PASSPORTS

Text

The text as introduced · 195 words

89R3819 RDR-D

By: Middleton
S.B. No. 416

A BILL TO BE ENTITLED

AN ACT

relating to proof of United States citizenship for the issuance or

renewal of a personal automobile insurance policy.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Chapter 1951, Insurance Code, is amended by

adding Section 1951.005 to read as follows:

Sec. 1951.005. PROOF OF CITIZENSHIP REQUIRED. An insurer,

including a county mutual insurance company, may not deliver, issue

for delivery, or renew in this state a personal automobile

insurance policy unless the proposed insured provides to the

insurer one of the following documents as proof of United States

citizenship:

(1) an unexpired passport issued to the insured;

(2) a certified copy of a birth certificate or other

document confirming the insured's birth that is admissible in a

court of law and establishes the insured's identity; or

(3) United States citizenship papers issued to the

insured.

SECTION 2. The change in law made by this Act applies only

to a personal automobile insurance policy that is delivered, issued

for delivery, or renewed on or after January 1, 2026.

SECTION 3. This Act takes effect September 1, 2025.