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Texas
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Texas

Texas Car Insurance Laws

Direct Auto & Life Insurance is proud to offer car insurance that helps Texas drivers stay covered under state laws. Our flexible coverage plans fit many needs and budgets, including coverage for those who may have a hard time finding insurance at other Texas car insurance providers.

To help you make sure you have the coverage you need, here is a helpful breakdown of what minimum car insurance requirements Texas has, and how you can find the best coverage for your needs.

What are the minimum car insurance requirements in Texas?

Whether it’s Grapevine, Austin, or El Paso, no matter what Texas city you live and drive in you need to have the right amount of coverage in order to meet your state’s financial responsibility requirements. All drivers in Texas are required to adhere to the state's insurance minimums. In Texas, there are two types of coverage every driver needs: Bodily Injury Liability and Property Damage Liability. But what does bodily injury mean in auto insurance? And what property does Property Damage Liability cover? Here's a quick look at what those terms mean and the amount of coverage you need as a Texas resident.

Bodily Injury Liability

  • Coverage amount: Texas requires minimum bodily injury liability limits of $30,000 for each of your registered vehicles that will cover injury or death to any one person that results from a single car accident, and bodily injury liability limits of $60,000 to cover injuries or death to more than one person resulting from a single auto accident.
  • What it covers: bodily injury liability insurance coverage helps pay for medical expenses and legal representation if you or another insured on your policy cause bodily injury to another person while operating your vehicle. The “limit” is the maximum amount your insurance company will pay for bodily injury damages resulting from a single accident.

Property Damage Liability

  • Coverage amount: Texas requires minimum property damage liability limits of $25,000 on each of your registered vehicles.
  • What it covers: Property damage liability helps pay for damage to the property of others caused by you or another insured on your policy while operating your vehicle. For example, this coverage would pay for damage you cause to property such as vehicles, poles, mail boxes, fences, etc. The “limit” is the maximum amount your insurance company will pay for property damage resulting from a single accident.

Note that you'll also need to carry proof of insurance in every one of your vehicles, at all times. Your insurance company is required to offer you Uninsured Motorist (UM) coverage and Personal Injury Protection (PIP), but you do not have to accept these coverages. If you choose to reject UM and/or PIP, your rejection must be in writing.

What if I don't get state minimum coverage?

If you are caught without the minimum Texas car insurance coverage, you could be subject to serious consequences like fines and the suspension of your license(s). You will also be unable to register your vehicle.

Where can I find the cheapest car insurance rates in Texas?

The rate of your insurance depends on a number of factors, including your driving record, the type of vehicle you drive, and the amount of coverage you select for your plan. The good news is that companies like Direct Auto & Life Insurance can provide drivers with non-standard auto insurance, whether you are a high risk driver or are simply looking for an affordable rate that fits your budget. Start by getting a free car insurance quote, then work with a Direct Auto & Life Insurance representative to create the perfect coverage plan that meets your state’s requirements, but also your own needs.

What other Texas insurance products does Direct Auto & Life Insurance offer?

If you want to go beyond your state-required coverage and add additional protection to your policy, check out our other types of coverage. Get everything from comprehensive and collision coverage to rental reimbursement with help from Direct Auto & Life Insurance. Find your nearest Direct Auto & Life Insurance Texas location or call us at 1-877-GO-DIRECT to see how much you could save.


 
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