Texas Auto Insurance Rates & Requirements
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 traditional tort liability state where at-fault drivers are financially responsible for crash-related damages. The state runs TexasSure, an electronic verification system that monitors insurance status in real time by cross-referencing vehicle registrations with active policies. Every driver must carry proof of insurance and present it during traffic stops or after accidents, according to Texas Department of Insurance regulations.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Collision and Comprehensive
Cost Overview
about $119/mo
Average car insurance spending in Texas
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeFrequently Asked Questions
How does Texas verify auto insurance coverage?
Texas operates TexasSure, an electronic database that cross-references every registered vehicle with active insurance policies reported by insurers. The system updates in real time — when your policy lapses or cancels, TexasSure notifies the Texas DPS within 48 hours, triggering suspension notices. Law enforcement can verify your insurance status instantly during traffic stops, though you should still carry proof.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. The foundation of every Texas policy, combining bodily injury and property damage into a single requirement. State minimums rarely cover modern accident costs.
Full Coverage
Combines liability, collision, and comprehensive into complete protection for your vehicle and legal obligations. Required by lenders and recommended for any vehicle worth more than 10 times your premium.
Comprehensive Coverage
Pays for vehicle damage from non-collision events: theft, hail, flood, fire, vandalism, and animal strikes. Deductibles typically range $100–$1,000, affecting premium and out-of-pocket costs.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient limits to cover your medical bills and vehicle damage. Includes underinsured motorist protection when the at-fault driver's limits fall short.
Collision Coverage
Repairs or replaces your vehicle after crashes with other vehicles or objects, regardless of who caused the accident. Works with a deductible you choose, typically $250–$2,000.
SR-22 Insurance
Not a separate coverage but a certificate proving you carry state-minimum insurance, filed by your insurer with the Texas DPS. Required after DUI, driving without insurance, or multiple violations.