Texas Car Insurance Laws and Regulations
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Texas Auto Insurance

Requirements of Motorists under TX State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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Texas Car Insurance Requirements

Coverage Minimum - 25/40/15

Coverage Explanation - Car insurance coverage in Texas must provide a minimum of $25,000 for injury liability for one person in an accident, $40,000 for all injuries in an accident, and $15,000 for property damage in an accident.

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Important Texas Auto Insurance Laws!

1. TX Law states that motorists must show proof of financial responbility, and most motorists do that by obtaining a minimum of liability insurance.

2. The law requires motorists to keep a copy of proof of their financial responsibility in their vehicles and product it upon request to law enforcement officers.

Important to Note:


Texas auto insurance law provides severe penalties for violating financial responsibility laws:

  • First Conviction: $175 to $350 fine.
  • Subsequent Convictions: $350 to $1,000 fine, drive's license suspension, and impoundment of your automobile.


Insurers must offer Uninsured Motorist / Underinsured Motorist (UM/UIM) coverage, but you can reject this coverage in writing. This coverage is not mandatory under Texas auto insurance law.

Note: Your UM/UIM insurance pays for a hit-and-run accident only if you promptly report it to the police.


Your Texas policy automatically meets the financial responsibility requirements of other states and Canada.

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