Texas drivers face unique insurance requirements shaped by state law, weather patterns, and traffic density. Understanding mandatory coverage and smart add-ons keeps you road-ready.
Call 1-800-INSURANCE (1-800-467-8726) to speak with agents who understand Texas carriers and pricing.
Minimum Liability Requirements#
Texas requires drivers to carry at least 30/60/25 liability coverage:
- $30,000 for bodily injury per person.
- $60,000 for bodily injury per accident.
- $25,000 for property damage per accident.
Many drivers choose higher limits to protect assets, as medical bills and vehicle costs often exceed minimums.
Optional Coverages to Consider#
- Collision: Repairs or replaces your car after an at-fault crash.
- Comprehensive: Covers theft, vandalism, hail, flooding, animal strikes, and other non-collision events.
- Uninsured/underinsured motorist: Pays when the other driver lacks sufficient insurance—a crucial protection given statewide uninsured estimates.
- Personal injury protection (PIP) or medical payments: Helps with medical bills regardless of fault.
- Towing and rental reimbursement: Adds convenience after accidents.
Texas-Specific Factors#
- Weather: Hail, hurricanes, floods, and tornadoes cause significant comprehensive claims.
- Traffic patterns: Major metros like Dallas-Fort Worth, Houston, Austin, and San Antonio see higher accident frequencies.
- Insurance verification: TexasSure tracks insurance status; lapses can trigger fines or license suspensions.
Rate Influences in Texas#
Insurers consider driving record, age, vehicle type, credit-based insurance scores, garaging location, mileage, and claims history. Rural vs. urban addresses can lead to pricing differences.
Proving Financial Responsibility#
Alternatives to traditional policies include surety bonds, deposits with the state comptroller, or self-insurance certificates for large fleets—but most Texans rely on standard auto insurance.
Filing Claims in Texas#
Document accidents, exchange information, report claims promptly, and understand the claims timeline outlined by the Texas Department of Insurance. Retain repair estimates and receipts for transparent settlements.
Call 1-800-INSURANCE (1-800-467-8726) to compare Texas carriers and coverage packages.