Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Texas car insurance requirements are simple
  • Maintaining a clean driving record can lower your monthly premiums
  • Always verify your state’s insurance requirements before making buying insurance

Texas, The Lone Star State, is known worldwide for the fierce independence of its people.  This independence plays out almost daily, from the way Texans view themselves to the way they conduct their lives.

Texans want to keep what is theirs, including their hard-earned money.

If you’re in the market for auto insurance, it’s important that you have a good understanding of Texas car insurance requirements to ensure that you comply with the law.

Compare car insurance quotes now! Enter your zip code above to get started for FREE!

Texas Car Insurance

Texas car insurance requirements are simple and straight-forward requiring the owner of any registered motor vehicle in Texas maintain the following coverage:

  • $25,000 in Personal Injury Protection per person ($30,000 effective January 1, 2011)
  • $50,000 in Personal Injury Protection per accident ($60,000 effective January 1, 2011)
  • $25,000 in Property Damage Liability (will remain unchanged on January 1, 2011)

While the coverage listed above will help you comply with Texas financial responsibility requirements, there is a very real possibility that – in the event of an accident – insurance will be inadequate to pay all claims.

The reasons are simple: Rapidly rising health care costs, vehicle repair, and replacement costs can very quickly exhaust any auto insurance that you have in place.  If this happens, you are responsible for the balance.

The way many Texans comply with the spirit and the letter of the law is by increasing the liability limits on their Texas auto insurance policy.  The additional cost is nominal; in many cases, additional liability coverage can be secured for just a few extra dollars per month.

If you’re interested in saving money on Texas auto insurance, there are a number of simple steps you can take.

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Maintain a good driving record

Besides making a good target for law enforcement officers, excessive speed, and poor driving habits lead to a dramatically increased risk of accidents.

Tickets and accidents have an unintended side-effect – higher auto insurance premiums.  To keep these costs in check, slow down and drive responsibly.

Not only will you get where you’re going in one piece, you won’t be spending your hard-earned money on unnecessary traffic tickets, you’ll save money on auto insurance.

Look for discounts


Auto insurance discounts are abundant in Texas.  In many cases, you can qualify for discounts for doing common-sense things like maintaining a good driving record, being a good student, being a senior citizen, or paying your premium on a quarterly or semi-annual basis.

While figuring out which politician to vote for in the next election is almost an impossible task, finding economical Texas auto insurance is easy.

The internet makes the process even easier.  With one simple mouse click, you can get multiple auto insurance quotes that will help you to save money, comply with Texas auto insurance law and give you the peace of mind of knowing that you’re protected in the event that you have an accident.

Ready to get started and compare quotes using our zip code search tool? Enter your zip code below to get started for FREE!


  1. https://www.nationwide.com/personal-injury-protection.jsp
  2. https://www.allstate.com/tools-and-resources/car-insurance/property-damage-liability-insurance.aspx
  3. https://www.nationwide.com/safe-driver-discount.jsp
  4. https://www.tdi.texas.gov/pubs/consumer/cb020.html