Texas vehicle coverage
Texas vehicle coverage means auto insurance policies licensed by the Texas Department of Insurance that provide financial protection for drivers in the state. Texas requires drivers to maintain minimum liability coverage of $30,000 per injured person, $60,000 per accident, and $25,000 for property damage (30/60/25).
Comprehensive and collision coverages pay for damage to your own vehicle caused by non-collision events like hail or by hitting another car, respectively. Uninsured motorist coverage pays if you are hit by a driver without insurance or in a hit-and-run–Texas drivers can reject this in writing.
Personal injury protection (PIP) covers medical expenses for you and your passengers regardless of fault, with insurers required to offer at least $2,500 in coverage. Texas insurance rates average $1,584 per year for full coverage according to 2024 data from Bankrate.
Policyholders can lower premiums by increasing deductibles or qualifying for discounts such as safe driver or multi-policy incentives. The TexasSure program electronically verifies insured vehicles using their VINs to reduce uninsured driving, as stated by the Insurance Information Database.
If you lapse in required coverage, Texas law imposes fines between $175 and $350 for a first offense and up to $1,000 plus license suspension for repeat violations. Proof of valid Texas vehicle insurance must be shown during traffic stops or accidents.
Does insurance follow the car or the driver in Texas?
In Texas, insurance generally follows the car rather than the driver. The policy covers the vehicle and any other drivers of that vehicle with permission from its owner. However, if the owner has obtained a non-owner auto policy, it will follow them regardless of what vehicle they are driving. This type of policy is usually…
See also Texas vehicle insurance.