Short answer: Every driver in Texas must carry at least this coverage. The minimums are in the table below. It’s an at-fault state: the driver who causes a crash is responsible for the damage. Requirements checked against the Texas Department of Insurance (October 2026).
Texas car insurance requirements
The minimum limits for Texas policies:
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $2,500 — included unless you reject it in writing |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing. Compare Texas with every other state.
What Texas drivers should know
- Texas is an at-fault state: the driver who causes a crash (and their insurer) pays for the damage.
- Police can check your coverage instantly through TexasSure, the state’s insurance verification system.
- Uninsured/underinsured motorist coverage must be offered with every policy. Given how many uninsured drivers are on Texas roads, it’s worth a close look before you decline it.
Home insurance in Texas
- Hail and severe thunderstorms drive a large share of Texas home claims. Many policies use a percentage deductible for wind and hail damage, so check what yours would actually cost you.
- Along the coast, wind and hail may be excluded from standard policies; the Texas Windstorm Insurance Association (TWIA) provides that coverage in designated coastal counties.
- Flood damage isn’t covered by home insurance — buy a separate flood policy, especially near the Gulf or in flash-flood areas.
Ways to save in Texas
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.
