Texas

Auto Insurance Minimum Requirements

Important Notes

Texas law requires insurers to automatically include $2,500 in PIP coverage unless the consumer explicitly declines it in writing, though it is not technically a mandatory coverage for vehicle registration. Real-time compliance tracking is verified using TexasSure.

Uninsured / Underinsured Motorist

Must be provided automatically matching standard liability minimums unless explicitly rejected in writing.

SR-22 Filings

Required for up to 3 continuous years following suspension via dynamic traffic infractions or a DUI conviction.

Alternatives to Insurance

A $85,000 cash or security deposit with the state comptroller, a surety bond, or a county judge deposit.