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Texas- Auto Insurance

In Texas, each vehicle you own must have insurance coverage that meets or exceeds the following standards:

  • At least $25,000 for bodily injury or death to one person per accident.
  • At least $50,000 for bodily injury or death to two or more people in an accident.
  • At least $25,000 for property damage in an accident.

Driving uninsured will result with a fine of at least $175. If you are fined again, the fees can increase exponentially, and you could lose your driver’s license and vehicle if you commit a third offense.


Texas Department of Insurance
Physical Location:
333 Guadalupe
Austin, TX 78701
Mailing Address:
P.O. Box 149104
Austin 78714-9104
Phone: 1-512-463-6169

Consumer Helpline
1-800-252-3439 (463-6515 in Austin)
Toll Free: 1-800-578-4677

Web Site:

Texas (TX) Mandatory Auto Insurance Minimums:

  • Liability: 20/40/15 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Regulations Regarding Proof of car insurance: Proof Required – When Obtaining Registration, If Involved In An Accident
  • Penalties For Not Carrying Mandatory Insurance: First Offense = Fine of up to $350

Inside Texas- Auto Insurance