State
Guide
Texas Insurance
From Houston traffic to rural highways, Texas roads are risky. Rates are rising due to high speeds and hail damage.
State Minimums (30/60/25)
Texas law requires "30/60/25" coverage. This is better than California, but still not enough for a major accident.
Mandatory Liability
$30,000
Bodily (Person)
$60,000
Bodily (Total)
$25,000
Property
TexasSure Program
Texas has a real-time database called TexasSure that police use to scan license plates. If you are caught driving without insurance, expect:
- Fines up to $350 (First Offense)
- Vehicle Impoundment
- SR-22 Filing Requirement (Expensive)