Minimum Car Insurance in Texas
The liability limits Texas requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Texas requires 30/60/25 liability coverage: $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage. Texas Department of Insurance, Auto insurance guide; Tex. Transp. Code § 601.122
| Minimum coverage required | Texas requires 30/60/25 liability coverage: $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage. All policies include personal injury protection (PIP) unless you reject it in writing, and insurers must offer uninsured/underinsured motorist coverage. Alternatives to insurance include a surety bond or a $55,000 deposit of cash or securities with the comptroller. Deposit alternative: https://tcss.legis.texas.gov/resources/TN/htm/TN.601.htm |
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| At-fault or no-fault | Texas uses the at-fault (tort) system, with personal injury protection (PIP) available or required. The Alabama Department of Insurance's national table of state auto insurance laws lists Texas among the "Tort States Where Personal Injury Protection is Available/Required." Texas law requires drivers to show proof they can pay for the accidents they cause, and liability insurance pays other people's car repair and medical bills when you are at fault. All Texas auto policies include personal injury protection (PIP), which pays your and your passengers' medical bills and lost wages, unless you reject it in writing. National table: https://aldoi.gov/consumers/StateAutoLaws.aspx |
| Uninsured motorist coverage | Must be offered; can be rejected in writing. Insurers must offer uninsured/underinsured motorist coverage, which pays if you are hit by someone with no insurance or not enough insurance, or in a hit-and-run. If you don't want it, you must tell the company in writing. UM/UIM claims carry a deductible. |
More Texas car insurance & vehicle laws
- Driving Without Insurance in Texas
- SR-22 Insurance in Texas
- When a Car Is a Total Loss in Texas
- Transferring a Car Title in Texas
- All Texas car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Texas?
Texas requires 30/60/25 liability coverage: $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage. All policies include personal injury protection (PIP) unless you reject it in writing, and insurers must offer uninsured/underinsured motorist coverage. Alternatives to insurance include a surety bond or a $55,000 deposit of cash or securities with the comptroller.
Is Texas a no-fault car insurance state?
Texas uses the at-fault (tort) system, with personal injury protection (PIP) available or required. The Alabama Department of Insurance's national table of state auto insurance laws lists Texas among the "Tort States Where Personal Injury Protection is Available/Required." Texas law requires drivers to show proof they can pay for the accidents they cause, and liability insurance pays other people's car repair and medical bills when you are at fault. All Texas auto policies include personal injury protection (PIP), which pays your and your passengers' medical bills and lost wages, unless you reject it in writing.
Is uninsured motorist coverage required in Texas?
Must be offered; can be rejected in writing. Insurers must offer uninsured/underinsured motorist coverage, which pays if you are hit by someone with no insurance or not enough insurance, or in a hit-and-run. If you don't want it, you must tell the company in writing. UM/UIM claims carry a deductible.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.