Texas Car Insurance Requirements (Updated for 2025)
In Texas, drivers are required by law to carry minimum amounts of liability insurance to legally operate a vehicle. As an at-fault state, the driver who causes an accident is responsible for paying damages. Below are the current Texas auto insurance laws and helpful options to consider in 2025.
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Minimum Liability Coverage in Texas
Texas requires the following minimum car insurance coverage, commonly referred to as 30/60/25:
- Bodily Injury Liability: $30,000 per person / $60,000 per accident
- Property Damage Liability: $25,000 per accident
This coverage helps pay for injuries and property damage you cause to others in a crash.
Optional Coverages to Consider
- Personal Injury Protection (PIP)
- Uninsured/Underinsured Motorist (UM/UIM) Coverage
- Comprehensive Coverage
- Collision Coverage
- Rental Reimbursement
- Roadside Assistance
Texas insurers must offer PIP and UM/UIM coverage — you can reject them in writing if you choose not to include them.
Penalties for Driving Without Insurance
- Fines starting at $175 for first offenses
- Additional surcharges of $250 per year for 3 years
- Possible license and vehicle registration suspension
- Vehicle impoundment
- SR-22 filing requirement
Proof of Insurance Requirements
You must show proof of insurance when:
- Asked by a police officer during a traffic stop
- Registering your vehicle
- Renewing your license
- After an accident
Accepted proof includes a printed ID card, digital copy on your phone, or verification through the TexasSure electronic system.
Compare Auto Insurance Quotes in Texas
Your car insurance rates in Texas depend on your location, driving history, age, and the type of vehicle you drive. Use the tool below to compare personalized quotes from top Texas auto insurers:
FAQs
Is Texas a no-fault state?
No. Texas is an at-fault state. The driver who causes an accident is responsible for paying damages to others.
Is PIP required in Texas?
No, but insurers must include it in your policy unless you reject it in writing. It helps cover medical expenses regardless of fault.
What is an SR-22 in Texas?
An SR-22 is a certificate of financial responsibility required for high-risk drivers. Your insurer files it with the state to prove you meet Texas’s minimum coverage laws.