Car insurance · Texas
Car insurance requirements in Texas
Liability minimum 30/60/25. Claims system: fault-based claims.
Verified summaryAll Texas insurance topics
Requirements
Minimum car insurance requirements in Texas
| Coverage | Requirement in Texas |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
| Injury protection | Insurers must offer personal injury protection (PIP) |
| Uninsured / underinsured motorist | Insurers must offer uninsured/underinsured motorist coverage |
What the law requires you to carry
- Bodily injury liability: at least $30,000 per injured person, up to $60,000 per accident
- Property damage liability: at least $25,000 per accident
Uninsured drivers
Uninsured motorist coverage in Texas
Insurers must offer uninsured/underinsured motorist coverage.
Optional coverage
Coverage you can add in Texas
- Collision
- Comprehensive
- Personal injury protection (PIP)
- Uninsured/underinsured motorist (UM/UIM)
- Towing and labor
- Rental reimbursement
Penalties
Penalties for driving without insurance in Texas
Texas law sets penalties for driving without required liability coverage. Confirm current penalties with the Texas Department of Public Safety.
Good to know
Other things to know in Texas
- These are legal minimums. TDI notes that minimum limits can be too low if you cause a multi-vehicle accident or the other driver's car is totaled.
- Texas Department of Insurance consumer help line: 1-800-252-3439.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Texas
- Texas Department of Insurance
- Website: tdi.texas.gov
- Phone: 1-800-252-3439 (TDI consumer help line)
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
- Texas Department of Insurance: Auto insurance guidetdi.texas.gov
- Texas Department of Insurance: Auto insurance glossarytdi.texas.gov
- TWIA: Media kit (May 2026)twia.org
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Texas.
Home insurance resources and the health marketplace for Texas are on its overview page.