Auto Insurance Minimum Requirements
Texas requires all drivers to carry minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 30/60/25. Texas is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
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.
Fine
$175–$350 (first offense)
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Texas?
Texas requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 30/60/25 coverage.
Is Texas a no-fault state?
No, Texas is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Texas?
Uninsured motorist coverage is not required in Texas, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Texas?
Driving without insurance in Texas can result in fines of $175–$350 (first offense) and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Texas?
SR-22 filings are used in Texas for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for up to 3 continuous years following suspension via dynamic traffic infractions or a DUI conviction.
What does 30/60/25 mean in Texas?
These numbers represent your liability limits: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Texas Department of Public Safety
More Texas Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Texas Department of Public Safety publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.