Texas car insurance requirements
Texas requires drivers to carry liability insurance or another form of financial responsibility. The minimum limits are $30,000 for each injured person, up to $60,000 per crash, and $25,000 for property damage.
This page is general information, not legal or insurance advice. InsuranceFinder doesn’t sell insurance, give quotes or take applications.
Official pages: Texas Department of Insurance: Auto insurance guide; Texas Transportation Code chapter 601
Minimum coverage
Texas minimum liability limits
- Minimum
- $30,000
- Minimum
- $60,000
- Minimum
- $25,000
| Coverage | Minimum |
|---|---|
| Injury, each person | $30,000 |
| Injury, per crash | $60,000 |
| Property damage | $25,000 |
Instead of a policy, state law also allows a surety bond, a $55,000 deposit with the state comptroller or a county judge, or self-insurance for owners of more than 25 vehicles.
Official pages: Texas Department of Insurance: Auto insurance guide; Texas Transportation Code chapter 601
PIP and uninsured motorist coverage
- Every Texas auto policy includes personal injury protection (PIP) unless you reject it in writing.
- Insurance companies must offer uninsured/underinsured motorist coverage. You can reject it in writing.
- U.S. auto policies are not recognized in Mexico.
Official page: Texas Department of Insurance: Auto insurance guide
SR-22 filings
- Texas DPS requires an SR-22 for some suspensions, including suspensions after a crash, a second or later conviction for driving without insurance, a civil judgment from a crash that has not been paid, and convictions such as DWI.
- The SR-22 must be kept on file for two years. An insurance card or policy is not accepted in its place.
- Not every insurance company files SR-22s. Drivers who do not own a vehicle can get a non-owner policy.
Official pages: Texas DPS: Financial responsibility insurance certificate (SR-22); Texas DPS: SR-22 questions
Penalties for driving without insurance
- First conviction: a fine of $175 to $350.
- With a prior conviction: a fine of $350 to $1,000.
- A second conviction suspends your license unless you file proof of insurance and keep it for two years.
- After a second conviction, the court orders the vehicle impounded for 180 days if you own it, with a $15 per day impound fee.
- Reinstating a license suspended under this law costs $100.
Official page: Texas Transportation Code chapter 601
If insurance companies turn you down
If two insurance companies have declined to insure you, you can get coverage through the Texas Automobile Insurance Plan Association (TAIPA).
Official page: Texas Department of Insurance: Auto insurance guide
Questions about this page
- What car insurance does Texas law require?
- State law requires at least liability coverage of $30,000 for each injured person, up to $60,000 per crash, and $25,000 for property damage, according to the Texas Department of Insurance.
- Is PIP required in Texas?
- Every Texas auto policy includes personal injury protection unless you reject it in writing. Insurance companies must also offer uninsured/underinsured motorist coverage, which you can reject in writing.
- What is the fine for driving without insurance in Texas?
- $175 to $350 for a first conviction and $350 to $1,000 with a prior conviction (Transportation Code chapter 601).
Texas agencies that say they offer car insurance
Related
Official sources
- Texas Department of Insurance: Auto insurance guide
- Texas Transportation Code chapter 601
- Texas DPS: Financial responsibility insurance certificate (SR-22)
- Texas DPS: SR-22 questions
Last checked Oct 27, 2026. Rules change; check with the Texas Department of Insurance or Texas Department of Public Safety for your situation.