Last updated: August 2023

Texas Auto Insurance

Direct Auto Insurance is proud to offer car insurance in Texas. Whether you live in San Antonio, Dallas, or way out in West Texas, you must meet the Texas minimum car insurance requirements. Take a few minutes to learn what coverages are mandatory, which ones are optional, and how Direct Auto can help you find cheap Texas car insurance. Get a free quote to see how much money you can save with Direct.

Texas Car Insurance Laws

Do you have to have car insurance in Texas?

Texas law requires all drivers have proof of financial responsibility. Texas auto insurance policies must at least meet the minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Texas are 30/60/25, as shown below under Texas Minimum Car Insurance Requirements.

Texas Minimum Car Insurance Requirements

Wondering what your insurance policy needs in Texas? Here’s a quick breakdown by coverage type.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $30,000 bodily injury per person/$60,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Not required but included in policies by default unless rejected in writing, as required by the State of Texas.

Personal Injury Protection helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Not required but included in policies by default unless rejected in writing, as required by the State of Texas.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

IMPORTANT NOTE: While liability-only coverage ensures you meet state laws, it provides no protection for your own injuries or damage to your own vehicle. You would need to add additional coverage, like UM/UIM, comprehensive and collision, to protect yourself and your vehicle more fully.

1Your lender may require these coverages if you lease or finance your vehicle.

Are there additional coverage options?

For added peace of mind, Direct Auto offers add-on services and other insurance products for Texas drivers:

Texas Proof of Financial Responsibility and Penalties

What if I don't meet Texas's minimum car insurance requirements?

Every Texas driver is required to have proof of financial responsibility to drive legally. If you’re caught driving without insurance, you could lose your license, lose your registration, face fines, and even face jail time. The penalty depends on which offense it is and if you cause an accident.

Drivers must always carry proof of insurance and must be able to present proof of insurance upon request, such as during a traffic stop or at an accident scene. You can do so by showing your physical ID card or downloading an electronic copy to your mobile device.

Penalties for Driving with a Suspended License in Texas

Thinking about driving with a suspended license? Think again! If you’re caught driving when you shouldn’t, you’re guilty of a Class B misdemeanor and the penalties are potential jail time and serious fines, according to Texas defense attorneys.

SR-22 Insurance in Texas

Some high-risk drivers are also required to keep an SR-22 insurance (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. The Texas Department of Public Safety says you might be required to keep one on file if:

If you need an SR-22 filed to demonstrate financial responsibility compliance or have questions about the penalties for non-compliance, we’d be happy to help. Direct Auto specializes in helping people find affordable car insurance coverage, regardless of their history. Give us a call today for a free quote.

High-Risk Auto Insurance in Texas

Most individuals do not have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. While some companies try to steer clear of these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.

At Direct Auto, we're proud to offer non-standard coverage. We believe your driving history shouldn't define you forever, and we work hard to find quality, affordable coverage for every driver, regardless of their past.

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

Car insurance costs vary depending on a number of factors, including:

  • The amount & type of coverage you choose
  • The year, make, and model of the vehicle you drive
  • How much you drive, where you drive, and where you live
  • Your demographics
  • Your driving record
  • Your credit history

The good news is that Direct Auto Insurance can help drivers, even those with a less-than-perfect driving record, find car insurance coverage.

Get a free car insurance quote online, or work with a Direct Auto agent to create a coverage plan that not only meets your state's requirements but fits your needs as well. We’ll work hard to make sure you get any car insurance discounts you’re entitled to receive so your premium is the lowest price possible.

Texas Regional Auto Insurance

Depending on where you live, you might have specific wishes and “must-haves” in your mind for your car insurance policy. After all, a policyholder who lives and drives in busy, downtown Dallas might want more coverage than a person who lives in a small town in Hill Country. But no matter what city you call home in the Lone Star State, we’re here to help you get covered.

Austin Auto Insurance

Dallas Auto Insurance

Fort Worth Auto Insurance

Houston Auto Insurance

San Antonio Auto Insurance

Other Texas Auto Insurance Resources

Find Cheap Car Insurance in Texas with Direct Auto!

Call, request a quote online, or visit a Direct Auto location near you to get a Texas car insurance quote from Direct Auto! We always offer affordable coverage options and work hard to get you cheap car insurance in Texas so you can keep driving.

Roadside Assistance is not insurance and is administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.

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