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Texas Car Insurance

The Lone Star State

Get a Texas Auto Insurance Rate Quote

You can start your Texas car insurance rate quote and then manage all of your policy needs online. From paying your bill, to making changes to cars or drivers on your policy, to reporting a claim - it's all at your fingertips. GEICO is available 24 hours a day, 365 days a year.

Texas Auto Insurance Requirements & Fast Facts

Texas law requires every driver to carry minimum liability insurance coverage.
Proof of auto insurance is required for annual car inspections, car registrations, and some driver license transactions.
Texas is tough on drivers caught without car insurance. First-time offenders can be fined up to $350. Repeat offenders can lose their driver's license for two years.
Despite these penalties, 15-20% of Texas drivers are uninsured. The state estimates that insured Texans now pay almost $900 million a year to protect themselves against those with no coverage.*

Texas Minimum Insurance Coverages

Bodily Injury Liability: $30,000/$60,000
Property Damage Liability: $25,000

Don't Mess with TexasSure

In the past, many uninsured Texans used fake proof of insurance cards or quickly canceled their car insurance policy after getting their card. To combat these shenanigans, in 2008 the state introduced TexasSure, an electronic auto insurance verification program.

The TexasSure database connects every registered vehicle in the state by its license plate, vehicle identification number (VIN), and liability insurance policy. Police can now immediately find out if you are driving without insurance. And in 2010, TexasSure officials began contacting people with TX registered cars that appear to be uninsured. Texas law still requires that you carry proof of insurance.

Graduated Driver's Licensing (GDL) in Texas

Graduated licensing introduces beginners to the driving experience in a low-risk manner, protecting both new drivers and others. The Insurance Institute for Highway Safety (IIHS) has resources for GDL laws in Texas and our teen driving section also offers a more comprehensive explanation.

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Moving to Texas?
Find out how to register your car in Texas.
Know before you go
Visit the Texas Department of Motor Vehicles website for address information and hours of operation.