Texas (TX) Car Insurance Requirements (2026)
The minimum you need
- Bodily injury per person
- $30,000
- Bodily injury per accident
- $60,000
- Property damage
- $25,000
Usually called the 30/60/25 rule.
At-fault state Whoever caused the crash pays, through their liability coverage.
What else is required
PIP (personal injury protection): Not required
Offered as an add-on, not mandatory.
Uninsured motorist: Not required
Has to be offered, and you can decline it in writing.
Teen and new driver notes
- Good student discounts are usually around 15%, depending on the company.
New to all this? Start with the new driver guide.
Penalties for driving uninsured
Driving without insurance can mean fines and a suspended license.
Penalty schedules change and vary by county. Confirm current fines with the Texas Department of Insurance before relying on this for a specific situation.