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Texas Auto Insurance Minimums

The State of Texas requires all drivers to carry a minimum level of liability insurance coverage on vehicles they own and operate.  This ensures that, if you are involved in an accident you will, at the very least, be able to cover damages caused by your vehicle.

Minimum Insurance Requirements

The minimum coverage required in the State of Texas is referred to as 25/50/25.  What this means is that you must have coverage for $25,000 per injured person, $50,000 for total bodily injury coverage and $25,000 to cover property damage caused by your vehicle in an accident.  These coverage minimums are on a per-accident basis.  When you add these figures up, you arrive at a minimum coverage of at least $75,000.  Anything less than these coverages is unsuitable and insufficient to meet the State’s requirements.

Failure to Maintain Financial Responsibility

If you fail to carry the minimum insurance required, you face severe penalties and fines:


For a first-time offender, you’d be looking at a fine in the neighborhood of $900.


Repeat offenders may get their license suspended. Once this happens, you’ll be required to obtain Texas SR-22 insurance before the DMV will reinstate your license.  Essentially, you must provide proof that you have the minimum insurance coverage as mandated by the State of Texas.

New Legislation Ensures Drivers are Insured

Beginning January 2009, auto insurance companies must report policy information to the State of Texas. This includes the effective date of your policy, the coverages you hold and when you cancel your insurance policy. Most police cars are now outfitted with a computer that allows the officer to determine whether a vehicle is insured and whether the insurance is current and up to minimum coverage requirements. In short, it’s another reason to get pulled over and the fine you receive will be substantially more than your typical speeding ticket.

Get Legal Today

Spartan Insurance specializes in insuring Texas drivers. We’ve been in the Texas marketplace for nearly 40 years and pride ourselves on offering the right coverage at a price you can afford.

You can get a free, no-hassle rate quote in under five minutes with our advanced quote system. Begin your Texas Car Insurance Quote now and see just how much you could be saving!