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Budget Insurance Agency · Auto · Texas
Texas Auto Insurance
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Texas minimum coverage
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Key Facts About Texas Auto Insurance
- Legal System: At-Fault State (Modified Comparative Fault)
- Mandatory Minimums: $30,000 Bodily Injury per person | $60,000 Bodily Injury per accident | $25,000 Property Damage (30/60/25)
- Bodily Injury Liability (BIL): Mandatory for all licensed drivers operating a motor vehicle in Texas
- Uninsured Driver Rate: ~14% statewide (Insurance Information Institute / Insurance Research Council)
How Texas Auto Insurance Works
Texas operates as an at-fault state under a modified comparative fault legal system (Tex. Civ. Prac. & Rem. Code § 33.001). Under the state’s 51% bar rule, you can recover damages from another driver’s insurer as long as you are determined to be 50% or less at fault for the accident, though your financial recovery is reduced by your percentage of fault.
To legally drive in Texas, state law mandates establishing financial responsibility through minimum auto liability limits of 30/60/25 (Tex. Transp. Code § 601.072):
$30,000 for bodily injury per person
$60,000 total bodily injury per accident
$25,000 for property damage per accident
Active coverage is electronically monitored in real time via TexasSure, a state database managed jointly by TxDMV, TDI, and DPS that links insurance policy records directly to vehicle VINs. In addition, Texas Insurance Code § 1952.152 requires insurers to automatically include $2,500 in Personal Injury Protection (PIP) on every auto quote unless you explicitly reject it in writing.
What Affects Your Texas Auto Insurance Rate?
- Geographic Driving Location: Drivers living in dense metropolitan areas like Houston, Dallas-Fort Worth, or San Antonio experience higher accident and theft frequencies than rural drivers, leading to localized rate variations by ZIP code.
- Severe Weather Exposures: Severe seasonal hail storms along the I-35 corridor and hurricane/flood risks along the Gulf Coast directly impact comprehensive coverage pricing.
- Driving History & Claims Record: Accidents, speeding tickets, and past moving violations directly increase your policy rates.
- Credit-Based Insurance Scores: Under Texas law, carriers are permitted to utilize credit history as an underwriting factor to help determine policy premiums.
- Vehicle Type & Repair Costs: High-performance vehicles, luxury cars, and trucks with high replacement parts costs carry higher collision and comprehensive rates.
Compare Coverage Options From Multiple Texas Carriers
Coverage Options
Texas Auto Insurance Coverage Options
Liability Only
Meets statutory minimum requirements under Tex. Transp. Code § 601.072 by providing up to $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage caused to others, but pays nothing for your own vehicle repair costs or medical bills.
Full Coverage
Combines state liability protection with comprehensive and collision insurance to cover repair or replacement costs for your vehicle following traffic accidents, severe seasonal hail along the I-35 corridor, theft, or flood damage.
High-Risk / SR-22
Provides continuous liability coverage and required state filings for drivers with past moving violations, coverage lapses, or DUIs, including electronic SR-22 certificate submission directly to the Texas Department of Public Safety (DPS).
Add-On Coverage
Includes optional policy protections like Personal Injury Protection (PIP)—which covers medical bills and lost wages regardless of fault under Tex. Ins. Code § 1952.152—alongside roadside assistance and rental vehicle reimbursement.
30/60/25
Texas minimum liability coverage is higher than neighboring states
Texas law requires at least $30,000 bodily injury coverage per person, $60,000 per accident, and $25,000 in property damage coverage. These limits are higher than every bordering state following a 2011 statutory update.
PIP
Every Texas policy must offer Personal Injury Protection
Texas insurers are statutorily required to offer PIP coverage on every policy quote. If you choose not to carry PIP, you must reject the coverage in writing.
Source: Texas Department of Insurance
ONLINE TOOLS VS. A LOCAL Texas AGENT
Fast Insurance Quotes Without Missing Crucial Coverage
| Feature | Self-Service Online Tools | Budget Insurance Agency |
|---|---|---|
| Carrier Access | Depends on specific platform | ✓ 12+ Texas insurance carriers |
| Service Support | Self-service web interface | ✓ Support available online, by phone, or in person |
| Coverage Review | Independent policy selection | ✓ Optional review with a licensed agent |
| Policy Adjustments | Digital portal management | ✓ Dedicated agent support for policy updates |
Why customers choose Budget
Real customers. Real results.
Over 35 years of helping drivers find the right coverage, backed by licensed professionals who actually pick up the phone.
FAQs
Common questions about car insurance in Texas
What's the minimum car insurance required in Texas?
Texas requires 30/60/25 liability coverage — $30,000 bodily injury per person, $60,000 per accident, and $25,000 in property damage. That’s higher than every neighboring state.
Is Texas a no-fault state?
No — Texas is an at-fault state, which is part of why claims involving disputed liability tend to take longer to settle here.
Do I have to carry Personal Injury Protection (PIP) in Texas?
Every insurer has to offer it, but you can decline it — in writing. It’s not automatically included or automatically skipped.
Is digital proof of insurance accepted in Texas?
Yes — Texas accepts a digital insurance card on your phone, alongside the traditional paper card.
How does TexasSure verification work?
Insurers report your coverage electronically to the state through TexasSure. If a lapse isn’t reported as resolved, it can affect your vehicle registration.
What happens if I drive without insurance in Texas?
It’s a Class C misdemeanor — fines of $175–$350 for a first offense, up to $1,000 for repeat offenses, plus possible license and registration suspension and an SR-22 filing requirement for two years.
Where We Serve in Texas
Cities we serve across Texas
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