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Mandatory Minimum Level of Coverage

Texas law requires you to have auto liability insurance. If you drive in Texas, you must show that you can pay for accidents you cause. Most Texas drivers do this by buying auto liability insurance. The statutory minimum limits of liability insurance in Texas are:

Bodily Injury

  • $30,000 for the death or injury of any one person, any one accident
  • $60,000 for all persons in any one accident

Property Damage

  • $25,000 for any one accident

Frequently Asked Questions Regarding Texas Auto Insurance

What if I fail to keep insurance on my vehicle that I have registered in Texas?

Texas law provides severe penalties for violating the state’s financial responsibility laws. A first conviction will result in a fine between $175 and $350. Subsequent convictions could result in fines of $350 to $1,000, suspension of your driver’s license, and impoundment of your automobile. Texas also uses a real-time insurance verification system called TexasSure, which allows law enforcement officers and county tax officials to instantly verify whether a vehicle has auto liability coverage required by state law. In short, state officials say “if you’re not covered, you’ll be discovered”.