Texas Auto Insurance Requirements & Rates
Texas requires 30/60/25 liability coverage and is an at-fault state.
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Texas at a Glance
30/60/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Texas operates as a tort-based liability state where at-fault drivers are financially responsible for damages they cause. All drivers must carry proof of financial responsibility, verified electronically through the TexasSure program that allows law enforcement and the Texas Department of Public Safety to confirm coverage in real time.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection
Cost Overview
about $119/mo
Average car insurance spending in Texas
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is full coverage required in Texas?
Texas law requires only liability coverage, but lenders mandate full coverage (liability, collision, and comprehensive) for financed or leased vehicles. Once you own your vehicle outright, you can legally drop to minimum liability, though this leaves you financially exposed for your own vehicle damage. Full coverage becomes optional but remains financially prudent based on your vehicle's value.
Do I need SR-22 insurance in Texas?
You need an SR-22 certificate if convicted of DWI, caught driving without insurance, or accumulating serious violations requiring license reinstatement. The SR-22 is not insurance itself but proof your policy meets state minimums, filed by your insurer with the Department of Public Safety. Texas typically requires three years of continuous SR-22 filing, and any coverage lapse triggers license suspension.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. The foundation of Texas's mandatory coverage system, protecting you from lawsuits after at-fault accidents.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your legal obligation and your vehicle's value. Industry shorthand for complete protection, not a specific policy type.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, weather, and animal strikes. Covers your vehicle when accidents aren't involved.
Collision Coverage
Repairs or replaces your vehicle after accidents with other vehicles or objects, regardless of fault. Works with your deductible choice, typically $500–$1,000.
Uninsured Motorist Coverage
Protects you when hit by drivers with no insurance or insufficient coverage. Fills the gap when at-fault drivers can't pay for your injuries or vehicle damage.
SR-22 Insurance
Certificate of financial responsibility filed with the state after serious violations like DWI, multiple tickets, or driving uninsured. Not separate insurance, but proof your policy meets state requirements.