Texas Auto Insurance Requirements
Texas law requires drivers to provide proof of financial responsibility to cover bodily injury and property damage they may cause in an auto accident. Most Texans choose to fulfill this requirement by purchasing an auto insurance policy. If you choose this option, you must maintain minimum limits of coverage, as outlined in the table below.
When you purchase an auto insurance policy, your insurance company will send you a proof of insurance card or other document that lists the policy number, automobiles and drives insured under your policy, and the policy's expiration date. You must show proof of insurance when you:
- register your car,
- are asked for it by a law enforcement officer,
- have an accident, or
- get your car inspected.
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If you cannot provide proof of financial responsibility, you may be fined up to $350. Repeat offenses could result in fines up to $1,000, vehicle impoundment, or suspension of your license.
As one of the many “Tort” states, the laws governing Texas motor vehicle operators simply states that you are financially responsible for any damages incurred in an auto accident in which you are at fault. This includes both property damage and personal injury.
| Coverage Type |
Required? |
Minimum Coverage Amount Required |
|
| |
You may want to consider purchasing limits of coverage higher than those required by law to protect your assets or property, as you may be personally responsible for any damages above the policy limits.
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Auto Insurance for Leased Vehicles in Texas (TX)
Most leasing companies in Texas typically require drivers to maintain insurance coverage which exceeds the minimums set by Texas state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
Read about special considerations for drivers in:
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Texas Department of Transportation
www.dot.state.tx.us |
Texas Department of Insurance
333 Guadalupe
Austin, TX 78701
www.tdi.state.tx.us |
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 Esurance
Esurance offers a full set of insurance policies, providing their customers with many product choices. The company consistently lives up to high ideals, providing quality policies and excellent customer service. Esurance allows you to compare their quotes against quotes from other companies, so you can get the best coverage for the best price. After you get a quote, you can actually purchase a policy, pay for it, and print out a temporary insurance card, all within minutes.
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 21st Century Insurance
21st Century Insurance offers personal automobile, motorcycle, and umbrella insurance in California and automobile insurance in Arizona, Illinois, Indiana, Nevada, Ohio, Oregon, Texas and Washington. The company receives much of its new business through referrals from current policyholders; the average annual renewal rate of existing policyholders is greater than 90%. Accepts all licensed drivers, including new drivers.
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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: February 14, 2008
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