Texas Auto Insurance Requirements | EagleWay Auto Insurance
Direct Auto Insurance is proud to offer cheap car insurance in Texas. Whether you live in San Antonio, Dallas, or out in West Texas, you must meet Texas minimum car insurance requirements. Learn which coverages are mandatory, which are optional, and how EagleWay can help you find affordable Texas auto insurance. Get a free quote today.
Do you have to have car insurance in Texas?
Texas law requires all drivers to maintain proof of financial responsibility. Texas auto insurance policies must meet the state’s minimum liability coverage limits (30/60/25). Drivers may also include uninsured/underinsured motorist coverage (UM/UIM) and medical payments coverage by default unless rejected in writing.
Texas Minimum Car Insurance Requirements
| Coverage | Required by Law? | Details |
|---|---|---|
| Bodily Injury Liability | Yes | $30,000 per person / $60,000 per accident — covers medical expenses and legal costs if you injure someone. |
| Property Damage Liability | Yes | $25,000 per accident — covers damage you cause to another vehicle or property. |
| Uninsured/Underinsured Motorist (UM/UIM) | No1 | Included by default in policies unless rejected in writing; covers injuries or property damage caused by uninsured or underinsured drivers. |
| Personal Injury Protection (Med Pay) | No1 | Included by default unless rejected; covers your medical expenses after an accident regardless of fault. |
| Collision | No2 | Covers repair or replacement of your vehicle after a collision. |
| Comprehensive | No2 | Covers damage from fire, flood, vandalism, falling objects, or animals. |
1Optional coverage but included by default unless rejected in writing.
2Required by your lender if your vehicle is financed or leased.
Additional Coverage Options
- Roadside Assistance
- Medical Payments Coverage (Med Pay)
- Towing & Labor Coverage
- Rental Reimbursement
Proof of Financial Responsibility & Penalties
Driving without insurance in Texas can result in license suspension, registration loss, fines, and even jail time. Drivers must always carry proof of insurance, either physically or electronically, and present it upon request.
Penalties for Driving with a Suspended License
Driving while your license is suspended is a Class B misdemeanor, punishable by potential jail time and fines. Do not drive until your license is fully reinstated.
SR-22 Insurance in Texas
High-risk drivers may need an SR-22 certificate to verify coverage if they lost driving privileges, had multiple insurance violations, were convicted of DUI/DWI, or drove with an invalid license. EagleWay can assist with filing SR-22s to maintain compliance.
High-Risk Auto Insurance in Texas
Drivers with a poor record may be considered high-risk. Non-standard insurance is available to provide coverage. EagleWay helps all drivers find quality, affordable insurance regardless of past violations.
Where can I find the cheapest car insurance rates in Texas?
Rates depend on:
- Coverage type and limits
- Vehicle year, make, and model
- How much and where you drive
- Demographics
- Driving record
- Credit history
EagleWay Auto Insurance helps Texas drivers find affordable coverage that meets state requirements. Get a free quote today.