To drive legally in Texas, you must maintain active liability insurance that meets the state’s minimum requirements. As a fault-based regime, Texas holds the responsible driver accountable for accident damages. Here’s a full breakdown for 2025—including penalties, optional protections, electronic verification, and what to do when you’re caught uninsured.
How Much Car Insurance You Need in Texas
Texas mandates the following minimum car insurance limits:
- Bodily Injury Liability: $30,000 per person / $60,000 per accident
- Property Damage Liability: $25,000 per accident
Known as “30/60/25” — you’re required to meet these limits for liability protection.
Optional Coverages Texas Drivers Should Consider
Texas roads range from busy Houston freeways to wide stretches of rural highways. Optional insurance coverages can provide peace of mind for the unique driving risks across the Lone Star State:
- Collision Coverage – Helps repair your vehicle after an accident, regardless of who was at fault.
- Comprehensive Coverage – Protects against non-collision damage such as hailstorms, hurricanes near the Gulf, or theft in urban areas.
- Medical Payments or Personal Injury Protection (PIP) – Helps with medical costs and lost wages after a crash.
- Roadside Assistance – Valuable for long stretches of rural highways where a breakdown could leave you stranded.
- Rental Reimbursement – Covers the cost of a rental while your car is in the shop after a covered accident.
- Uninsured/Underinsured Motorist (UM/UIM) – Highly recommended in Texas, where many drivers carry only the minimum coverage.
From hail in Dallas to heavy traffic in Austin, these coverages add an extra layer of security on Texas roads.
No Car Insurance in Texas?
Lacking valid insurance in Texas can result in hefty penalties, including:
- Fine up to $350 plus court costs for first offense
- Two-year license suspension for repeat violations
- SR-22 requirement (proof of financial responsibility)
Penalties can be triggered automatically—even if you’re not pulled over—due to electronic verification through TexasSure.
If you’re convicted of a DWI in Texas, the penalties extend beyond fines and suspension. You’ll be required to file an SR-22 with the Texas DPS and may see your insurance premiums rise significantly. Learn more about DUI and car insurance in Texas.
Texas Proof of Car Insurance Options
Drivers must carry valid proof of insurance at all times and present it when:
- Stopped by law enforcement
- Involved in an accident
- Registering or renewing vehicle registration
TexasSure Insurance Verification System
Texas runs a statewide electronic insurance verification system called TexasSure, a joint initiative by TxDMV, DPS, TDI, and others.
If your vehicle isn’t verified as insured, TexasSure automatically notifies you via mail. You must respond within 10 days or risk penalties.
- ✅ Maintain continuous insurance on registered vehicles
- ✅ Respond promptly to TexasSure verification letters
- ✅ Provide proof of valid insurance (policy or binder)
- ✅ File SR-22 if required due to violations
🔗 Learn more or respond to a TexasSure notice on TxDMV.gov
Much like Georgia and Alabama, Texas expects active insurance unless registration plates have been formally surrendered.
Frequently Asked Questions about Texas Car Insurance
What are Texas’ minimum car insurance requirements in 2025?
Texas requires $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage coverage.
Does Texas verify insurance electronically?
Yes. Insurers report coverage to the DMV via the TexasSure verification system.
What happens if I drive uninsured in Texas?
Penalties include fines up to $350, registration suspension, and the need for an SR-22 certificate to reinstate driving privileges.
Can registration be suspended for insurance lapses?
Yes. The DMV can suspend your vehicle registration and driver’s license for failing to maintain continuous coverage.