Texas Auto Insurance Rates & Coverage Requirements
Texas requires 30/60/25 liability coverage and is an at-fault state.
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Texas at a Glance
30/60/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Texas operates under an at-fault tort system, meaning the driver responsible for a collision is liable for damages. The state requires all drivers to carry proof of financial responsibility—typically satisfied through liability insurance—and enforces compliance through the TexasSure verification program, which cross-references vehicle registrations with active insurance policies.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
about $119/mo
Average car insurance spending in Texas
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Tort liability environment: Texas's pure tort system with no caps on pain-and-suffering damages drives higher liability premiums compared to no-fault states—insurers price in the risk of large jury awards in accident lawsuits.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Texas a no-fault state for car insurance?
No, Texas is an at-fault tort state. The driver responsible for causing an accident is liable for all resulting damages, and injured parties can sue for costs exceeding the at-fault driver's insurance limits. This differs from no-fault states where each driver's insurance covers their own injuries regardless of who caused the crash. Texas's tort system makes carrying liability limits above the 30/60/25 minimum critical for protecting personal assets.
What is the TexasSure program?
TexasSure is the state's electronic insurance verification system that cross-references vehicle registrations with active insurance policies reported by insurers. The Texas Department of Public Safety uses TexasSure to identify uninsured vehicles and mail violation notices requiring proof of coverage within 30 days or face fines and registration suspension. The system monitors continuous coverage—any lapse triggers enforcement even if you later obtain insurance.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Texas's 30/60/25 minimum leaves significant exposure in serious accidents—medical costs and vehicle values often exceed these limits, putting personal assets at risk in the state's tort liability system.
Full Coverage
Combines liability, collision, and comprehensive with uninsured motorist protection. Covers your vehicle regardless of fault and protects against theft, weather damage, and collisions with uninsured drivers—the most complete protection available.
Comprehensive Coverage
Pays for vehicle damage from non-collision events including theft, vandalism, fire, falling objects, animal strikes, and weather. Requires a deductible (typically $500–$1,000) but covers repair or replacement up to your vehicle's actual cash value.
Collision Coverage
Repairs or replaces your vehicle after a collision with another vehicle or object, regardless of fault. Pays actual cash value minus your deductible, protecting your investment when the at-fault party is uninsured or the accident is your fault.
Uninsured Motorist Coverage
Covers your medical bills, lost wages, and vehicle damage when an at-fault driver has no insurance or insufficient limits. Acts as a safety net in Texas's tort system when you cannot collect from the responsible party.
SR-22 Insurance
Not a separate coverage but a certificate of financial responsibility filed by your insurer with the Texas Department of Public Safety. Required after DWI convictions, driving without insurance, or license suspension to reinstate driving privileges.