Texas minimum car insurance
| Bodily injury liability | $30,000 per person / $60,000 per accident |
|---|---|
| Property damage | $25,000 per accident |
| Also note | Insurers must include personal injury protection (PIP) and uninsured/underinsured motorist coverage unless you reject them in writing. |
Checked on October 31, 2026. Requirements can change, so confirm current rules with the Texas Department of Insurance. Minimum coverage is the legal floor, not a recommendation; many drivers choose higher limits.
What to check before comparing TX quotes
- Ask each company whether PIP and uninsured motorist coverage are included or rejected in the quote.
- Compare quotes with the same liability limits, not only the same monthly price.
- Keep a copy of any written rejection form you sign.
How to compare quotes fairly
Ask every company to quote the same liability limits, deductibles, drivers and vehicles. Then compare what is included, not only the monthly price.
Free quote request
Start my quote → Compare Texas auto insurance quotes
Answer a few questions on our secure quote form. There is no cost to request quotes.