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Texas car Insurance

Texas Car Insurance

Texas car insurance made easy—real savings, plain-English advice, and instant proof when you need it.

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Explore Texas Car Insurance

Finding the right Texas car insurance isn’t just about price. It’s about meeting state rules and protecting your family on big-city freeways, Hill Country backroads, and Gulf Coast trips. At IronPoint Insurance Services, we compare top carriers so you can choose coverage that fits your needs and your budget. Get a quick quote online or talk with a Texas-licensed agent today.

Texas Car Insurance Minimum Coverage Requirements

Texas law requires liability coverage. Here are the current minimums for Texas car insurance:

Coverage Type What’s Covered Minimum Limit
Bodily Injury Liability Injuries you cause to others $30,000 per person / $60,000 per accident
Property Damage Liability Damage you cause to other people’s property $25,000 per accident
Personal Injury Protection (PIP) Medical bills & certain lost income/household services for you/your passengers, regardless of fault Offered by default (commonly $2,500 per person) unless you reject in writing
Uninsured/Underinsured Motorist (UM/UIM) Helps when the at-fault driver has little or no insurance Offered by default (at least up to state minimum limits) unless you reject in writing

These are legal minimums. Many Texans choose higher limits—and add comprehensive and collision—to better protect savings and vehicles.

Texas Car Insurance Laws You Should Know

  • At-fault state: The driver who causes the crash pays for injuries and damage. Minimum liability is 30/60/25.
  • PIP & UM/UIM are offered by default: Both coverages are included unless you reject them in writing; PIP commonly starts at $2,500 per person.
  • Proof of insurance: Digital ID cards are accepted, and the state checks coverage electronically—keep your policy active to avoid tickets or registration holds.

What TxDMV & DPS Want You to Know

  • You must show proof of insurance at traffic stops and after a crash. Texas also verifies coverage through its TexasSure program.
  • New to the state? Get Texas-compliant car insurance before you register your vehicle.
  • Coastal homes: windstorm coverage may be written through the Texas Windstorm Insurance Association (TWIA) if it isn’t available in the standard market.

SR-22 in Texas

Certain violations (like driving without insurance or DUI) can trigger an SR-22 filing requirement. Most drivers must keep continuous SR-22 coverage for two years. We can file and help you stay compliant.

Texas Car Insurance Discounts

  • Safe-driver and accident-free discounts
  • Multi-car and home + car bundle savings
  • Telematics/usage-based programs and low-mileage credits
  • Good-student and defensive-driving course credits

Texas Teen Driving: What Parents Should Know

  • Provisional license: no more than one passenger under 21 who isn’t family.
  • Night driving: no driving midnight–5 a.m. unless for work, school, or emergencies; no cell phone use while driving.

Why Choose IronPoint for Your Texas Car Insurance?

  • Quotes from multiple top-rated carriers
  • Straightforward guidance on Texas rules, hail/Gulf storm risks, and smart deductibles
  • Fast, friendly service—online or with a local, licensed agent

Start a Texas Car Insurance Quote

Compare Texas car insurance rates in minutes. It’s safe, secure, and free.

Call (877) 334-7646 to speak with an insurance agent.

Texas Car Insurance FAQs

What are the minimum car insurance requirements in Texas?

Texas requires 30/60/25 liability: $30,000 per person/$60,000 per accident for injuries, plus $25,000 for property damage.

Is PIP required in Texas?
PIP is offered by default and included unless you reject it in writing. The common starting amount is $2,500 per person (higher limits available).
Do I need Uninsured/Underinsured Motorist (UM/UIM)?
It’s not required, but insurers must include it unless you reject it in writing. Keeping it can protect you if the other driver has little or no insurance.
Can I show my insurance on my phone in Texas?
Yes. Digital insurance cards are accepted, and the state verifies coverage electronically via TexasSure.
What happens if I drive without insurance?
You could face fines, license/registration issues, and may need an SR-22 filing to reinstate your driving privileges.
I live on the coast—what about windstorm coverage?
In designated coastal areas, windstorm/hail coverage may be available through TWIA if your home insurer can’t offer it.
How do teen driving rules affect my policy?
New drivers under 18 have midnight–5 a.m. restrictions and a one-passenger (non-family) limit until they gain experience. Adding a teen often raises premiums, but good-student/telematics discounts can help.