Texas (TX)

Approved Carriers

Notes about state

• AIG

• Chubb

• Cincinnati

• PURE

• Safeco

• Travelers

• USLI

• Vault

Minimum Car Insurance Coverage in Texas

Texas law mandates that all drivers must carry at least the minimum liability coverage, which includes $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage.

Coverage Type & State Requirements

Bodily injury liability

Helps cover medical expenses, rehabilitation, and legal fees sustained by individuals involved in an accident in which the insured is found to be at fault.

$30,000 per person and $60,000 per accident

Property damage liability

Helps cover the cost of repairs or replacement of property—such as vehicles or structures—damaged in an accident in which the insured is found to be at fault.

$25,000 limit

Uninsured motorist

Provides the insured with bodily injury and property damage protection in the event of an accident with an uninsured driver.

• Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident unless you reject this coverage

• Uninsured motorist property damage: $25,000 and a $250 deductible unless your reject this coverage

Not required

Underinsured motorist

Provides the insured with protection in the event of an accident with a driver who does not have sufficient insurance coverage.

Not required

Personal injury protection (PIP)

Pays for the medical expenses, lost wages, and other related costs for the policyholder and their passengers in the event of an accident, regardless of fault.

Not required - $2,500 unless you reject this coverage

Collision

Helps cover the cost of repair or replacement of the insured's damaged vehicle in the event of an accident, regardless of fault.

Not required

Comprehensive

Helps cover the cost of repair or replacement of the insured's damaged vehicle in the event of non-collision events, such as theft, vandalism, or natural disasters.

Not required

Texas Laws on Electronic Proof of Insurance

In Texas, proof of insurance laws are in place to ensure that all drivers on the road have the required liability insurance coverage to provide financial protection in case of accidents.

To comply with these laws, drivers in Texas must carry proof of insurance in their vehicles at all times. Proof of insurance typically comes in the form of an insurance card provided by the insurance company. Law enforcement officers may request this proof during routine traffic stops or in the event of an accident. If a driver is unable to provide valid proof of insurance, they can face fines, license suspension, and even vehicle impoundment. 

Texas Car Registration Information

Get A Texas Driver's License

New residents moving into Texas, who have a valid driver license from their home state, have 90 days after entry into the state to secure a Texas driver license.

Applicants age 18 and over with a valid out-of-state driver license will be required to:

• Provide proof of Identity

• Provide proof of Social Security Number

• Provide proof of Texas vehicle registration and liability insurance, if you own a vehicle

• Complete required forms available at any Texas Driver License office

• Pay the required fee

• Pass a vision exam

• If you have a valid out-of-state license in your possession, it must be surrendered at the driver license office

When filing your application, please submit:

• A completed Application for Texas Certificate of Title, Form 130-U

• Original out-of-state title or current foreign or military ownership document

• A completed Form VTR-68-A and proof of compliance with U.S. Department of Transportation safety requirements if you have a foreign ownership document

• Vehicle Identification Certificate, issued by an approved safety inspection station

• Valid proof of liability insurance meeting Texas requirements

• The car's current odometer reading, if the vehicle is less than 10 model years old

• Sales or use tax verification if you have not previously registered the car in another state