Texas Car Insurance Requirements (2024)
Essential texas car insurance requirements explained in detail learn everything you need to know about the mandatory car insurance requirements in texas. from liability coverage to minimum limits, understand the legal obligations as a driver in the lone star state. stay informed and protect yourself on the road.
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Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
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UPDATED: Oct 21, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Welcome to our comprehensive guide on Texas car insurance requirements. Whether you’re a new driver or a seasoned Texan behind the wheel, understanding the mandatory insurance regulations is crucial. In this article, we will delve into the key topics you need to know, including liability coverage, minimum limits, and legal obligations as a driver in the Lone Star State.
We’ll provide detailed explanations and essential information to ensure you stay informed and protected on the road. Don’t miss out on this opportunity to find the best insurance rates tailored to your needs. Enter your ZIP code now to compare rates from top insurance providers and make a confident decision. Start exploring our guide today and ensure you’re properly protected while driving in the great state of Texas.
Texas Car Insurance Requirements
All personal vehicles in Texas require the following liability coverage requirements:
- Bodily Injury
- Property Damage
| Minimum Texas Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $30,000 / $60,000 Limit | ||
| Property Damage Liability | $25,000 Limit | ||
Additional insurance coverage can include:
- Uninsured / Underinsured Motorist Coverage
- Comprehensive and Collision Coverage
- Medical Payments Coverage
- Personal Injury Protection (PIP) Coverage
- Towing & Labor coverage
- Rental Reimbursement Coverage
Uninsured / underinsured coverage can be very useful coverage to add to your policy. It will provide financial assistance if you are involved in an accident with an uninsured or underinsured motorist.
Collision and comprehensive coverage are usually bundled together and are able to cover expenses above your deductible for repairs to your vehicle regardless of fault (collision) and also
non-collision damages to your vehicle if it is stolen or damaged by a tornado or hail (comprehensive). Even if your car isn’t on the list of most stolen vehicles in Texas, we strongly recommend purchasing comprehensive insurance.
Medical payments coverage can help pay for medical and/or funeral bills for people involved in an accident. This covers you, family that lives in your household and passengers in the vehicle regardless of who is found to be at fault.
Personal injury protection provides the same benefits of medical payments coverage but also will provide 80% of any lost income and the cost of a care person for people injured in an accident.
Towing & labor will cover expenses related to help services such as a tow truck or for a company to help fix a tire.
Rental reimbursement coverage will provide a set amount of money to be used to obtain a rental vehicle if yours has been stolen or requires repairs.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
- File a surety bond with the county clerk. The surety bond needs to include two people who both own real property in Texas.
- Make a deposit of $55,000 to the county comptroller
- Make a deposit of $55,000 to the county judge
- Self insurance is available to those with more than 25 cars. Certification with the Texas DMV is required.
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID card provided by your insurance company
- Documentation provided from establishing financial responsibility via method other than getting a liability policy
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer (drivers have 10 days to provide proof of insurance)
- When obtaining or renewing your license
- During the registration of your vehicle
- During the inspection of your vehicle
- After you are involved in an accident
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance when asked, you can face one of the following penalties:
- A fine of between $175 – $350 for a first offense
- A fine of between $350 – $1000 for a second offense
- Suspension of your license
- Your vehicle can be impounded
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Frequently Asked Questions
What are the car insurance requirements for drivers in Texas?
All drivers in Texas are required to have minimum liability insurance limits of 30/60/25, as well as uninsured/underinsured bodily injury and property damage coverage.
What does the 30/60/25 liability insurance requirement mean in Texas?
The liability insurance requirement in Texas is broken down into three parts: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident.
What is uninsured/underinsured coverage?
Uninsured/underinsured coverage is optional coverage that provides financial assistance if you are involved in an accident with an uninsured or underinsured motorist.
What is the tort system in Texas?
The tort system in Texas requires that someone must always be found at fault for causing a car accident. The person found at fault and their insurer is then held responsible for covering the monetary damages incurred by the accident.
What other types of coverage can be added to a Texas car insurance policy?
Additional coverage options can include collision and comprehensive coverage, medical payments coverage, personal injury protection, towing and labor coverage, and rental reimbursement coverage.
What documentation is required to provide proof of insurance and financial responsibility in Texas?
Drivers can provide proof of insurance and financial responsibility in Texas by presenting their insurance ID card, a copy of their insurance policy, or a certificate of self-insurance.
What are the penalties for failing to maintain financial responsibility in Texas?
Penalties for failing to maintain financial responsibility in Texas can include fines, license and registration suspension, impoundment of your vehicle, and even legal action against you.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.