What is the minimum car insurance required in Texas?

$30,000 of coverage for injuries per person, up to $60,000 per accident, and $25,000 for property damage — 30/60/25. It applies to all vehicle types, including motorcycles and mopeds.

The state’s insurance verification programme. It matches vehicle registrations against carrier data so that a lapse in coverage can be identified without a traffic stop.

Does my Texas policy cover hail damage?

Only if you carry comprehensive coverage, which the state minimum does not require. Texas leads the country in hail claims, so for most Texas drivers comprehensive is doing more work than the liability limits are.

Is uninsured motorist coverage required in Texas?

No, it is optional. Texas has an above-average share of uninsured drivers despite TexasSure, so in an at-fault state your own uninsured motorist coverage is worth pricing rather than assuming out.

What is a county mutual in Texas?

A distinctive class of Texas insurer operating under different regulatory rules from standard carriers. County mutuals often price non-standard profiles very differently, and a comparison limited to national advertisers will miss them entirely.

Texas

Auto insurance in Texas: what’s required, and what isn’t

By Gaby Valencia, Insurance Content Editor

Last verified August 26, 2026

Texas requires 30/60/25 liability — above the national norm — and verifies it through TexasSure, which matches registrations against carrier data. The more consequential Texas insurance decision is not liability at all: it is whether you carry comprehensive coverage. Texas leads the country in hail claims by a wide margin, adds hurricane and flood exposure along the coast, and none of it is touched by liability of any size.

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What Texas requires you to carry

Minimum liability limits in Texas — 30/60/25
Bodily injury, per person	$30,000
Bodily injury, per accident	$60,000
Property damage, per accident	$25,000

These are floors, not recommendations. Texas sets the minimum a driver may legally carry. It does not assess whether that amount would cover a claim you caused. Anything above your limits is your personal exposure.

How Texas enforces it

Texas verifies coverage through TexasSure, which matches vehicle registrations against carrier data. Proof of insurance is required at traffic stops, at registration and at inspection, and a lapse can surface without any roadside encounter.

How rates are set in Texas

Texas is an at-fault state. The driver responsible for a crash is responsible for the resulting injury and property damage, and their liability limits cap what the insurer pays on their behalf.

The Texas Department of Insurance regulates carriers, publishes a consumer bill of rights for personal automobile insurance and produces comparison material. Texas is a competitive-rating state with an unusually deep market — national carriers, strong regionals and a distinctive county mutual sector all compete for the same drivers.

That depth is why the spread between quotes in Texas is among the widest in the country. It is also why the cheapest carrier for one profile is frequently among the most expensive for another.

Credit-based insurance scores in Texas

Texas permits credit-based insurance scores in rating. Texas is one of the largest and most competitive auto markets in the country, with a deep bench of national, regional and county mutual carriers — so the spread between the best and worst quote for the same driver is wide, and shopping is unusually productive here.

What actually moves your premium here

Hail is the single largest physical damage exposure in the country

Texas leads the United States in hail claims by a wide margin, and a single storm over the DFW or San Antonio metro can produce tens of thousands of vehicle claims in an afternoon. All of it is comprehensive coverage. A liability-only policy in Texas leaves you exposed to the state’s defining weather risk.

Coastal wind and flood add a second catastrophe layer

The Gulf Coast carries hurricane and surge exposure, and inland flooding reaches well up into central Texas. Flood damage to a vehicle is a comprehensive claim, and total-loss flood claims are common after major storms.

Uninsured driving rates run high

Texas has persistently carried an above-average share of uninsured drivers despite TexasSure. Uninsured motorist coverage is optional here, which makes it one of the more worthwhile optional coverages in the state.

County mutuals are a genuine part of this market

Texas has a distinctive county mutual insurance sector that operates under different regulatory rules from standard carriers and often prices non-standard profiles very differently. A comparison built only from national advertisers systematically misses part of the Texas market.

See what you’d be matched with in Texas

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Comparing carriers in Texas

Price comprehensive as a real decision rather than an afterthought, and pay attention to the deductible. In the state with the most hail claims in the country, the comprehensive deductible is one of the highest-leverage numbers on a Texas policy.

Include county mutuals and regional carriers, not just the names you see advertised. The Texas market is deep enough that a comparison limited to national brands leaves real money on the table, particularly for non-standard profiles.

One habit matters more than any single carrier choice: re-check every year or two, and again after anything that changes your risk profile — a move across town, a new vehicle, a driver added or removed, or a violation ageing off your record. Carriers re-weight their rating factors continuously, so the one that priced you best three years ago is often not the one that prices you best today.

If you need an SR-22 in Texas

Texas requires an SR-22 filing after certain suspensions, including driving without insurance and DWI convictions. Your insurer files it with the Department of Public Safety and must notify the state if the policy lapses. Confirm the period for your case with DPS, since it runs from your reinstatement date.

Texas auto insurance FAQ

What is the minimum car insurance required in Texas?: $30,000 of coverage for injuries per person, up to $60,000 per accident, and $25,000 for property damage — 30/60/25. It applies to all vehicle types, including motorcycles and mopeds.
What is TexasSure?: The state’s insurance verification programme. It matches vehicle registrations against carrier data so that a lapse in coverage can be identified without a traffic stop.
Does my Texas policy cover hail damage?: Only if you carry comprehensive coverage, which the state minimum does not require. Texas leads the country in hail claims, so for most Texas drivers comprehensive is doing more work than the liability limits are.
Is uninsured motorist coverage required in Texas?: No, it is optional. Texas has an above-average share of uninsured drivers despite TexasSure, so in an at-fault state your own uninsured motorist coverage is worth pricing rather than assuming out.
What is a county mutual in Texas?: A distinctive class of Texas insurer operating under different regulatory rules from standard carriers. County mutuals often price non-standard profiles very differently, and a comparison limited to national advertisers will miss them entirely.

Sources

Requirements on this page were verified against Texas’s own regulator and motor vehicle agency on the date shown at the top. Rules change — if you are making a decision that turns on an exact figure, confirm it at the source.

Consumer help in Texas: Texas Department of Insurance, (800) 252-3439.