State guide
Car Insurance in Texas
Updated August 2026
Texas requires 30/60/25 liability coverage: $30,000 of bodily injury coverage per person, $60,000 per accident, and $25,000 for property damage, under Transportation Code §601.072. That bodily-injury floor is higher than the $25,000 most neighboring states use — Texas raised it in 2011 and it has held since.
Texas is an at-fault state, but with a twist most drivers miss: every Texas auto policy includes personal injury protection unless you reject it in writing, and insurers must likewise offer uninsured/underinsured motorist coverage, which you can also only decline in writing. So the default Texas policy is broader than the legal minimum — and two quotes are only comparable once you know which of those coverages each one still includes.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $30,000 |
| Bodily injury liability (per accident) | $60,000 |
| Property damage liability | $25,000 |
| PIP / medical | PIP included on every policy unless rejected in writing |
| Additional requirements | UM/UIM must be offered; may be declined in writing |
| No-fault state | No |
| SR-22 used | Yes |
Source: Tex. Transp. Code §601.072; Texas Department of Insurance
Average annual expenditure for auto insurance in Texas was $1,233 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024))
PIP and UM/UIM: on the policy until you say otherwise
The Texas Department of Insurance is explicit: all Texas auto policies include PIP, and if you don't want it you must tell the company in writing. PIP pays your own medical bills and some lost wages regardless of who caused the crash — an unusual default for an at-fault state. Uninsured/underinsured motorist coverage works the same way: insurers must offer it, and only a written rejection removes it.
When comparing Texas quotes, check whether each includes PIP and UM/UIM or assumes you'll reject them. A quote that looks lower may simply have stripped coverage the next carrier left in — the written-rejection rule exists precisely so that dropping these is a deliberate choice, not a pricing trick.
SR-22s in Texas
Texas requires an SR-22 filing after DWI convictions, driving without insurance, certain crash judgments, and license suspensions. The certificate — filed by your insurer — proves you carry at least the 30/60/25 minimums, and typically must stay on file for two years.
Carriers price SR-22 drivers very differently: the same DWI can produce premium quotes hundreds of dollars apart. Because the filing itself costs little, the comparison that matters is the underlying premium each carrier attaches to your record.
What Texas drivers pay
NAIC data puts Texas's average annual auto insurance expenditure at $1,233 in 2022, above the $1,127 countrywide figure. Dense urban traffic in the Dallas–Fort Worth, Houston, and Austin metros, hail exposure, and severe-crash litigation all feed into that. The spread inside the state is enormous — a driver's ZIP code, record, and vehicle move the number far more than the statewide average suggests, which is why Texas rewards comparing multiple quotes more than most markets.
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Frequently asked questions
What car insurance is required in Texas?+
Liability coverage of at least $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage (30/60/25), per Texas Transportation Code §601.072.
Is PIP required in Texas?+
Every Texas auto policy includes PIP by default, but you may reject it in writing, per the Texas Department of Insurance. Texas is still an at-fault state — PIP supplements the liability system rather than replacing it.
Is Texas a no-fault state?+
No. Texas is an at-fault (tort) state: the driver who causes the accident pays for the other side's injuries and property damage through their liability coverage.
Does Texas use SR-22s?+
Yes. Texas requires SR-22 filings to prove financial responsibility after DWI, driving uninsured, and certain suspensions or judgments — usually maintained for two years.
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