Texas Car Insurance

Car Insurance Coverage in Texas

Texas highway drivingTexas is famous for being a big state, and with size comes a vast number of roads and highways that Texas drivers use every day. Make sure you and your car are protected with the right Texas car insurance policy. Whether you're new to Texas or just looking for a better rate, GEICO is here to provide a fast and free car insurance quote for our outstanding coverage. GEICO delivers competitively priced auto insurance in Texas and a variety of car insurance discounts that could save you money. Plus, you can easily manage your policy and access your digital ID card 24/7 through GEICO Mobile App for convenient control anytime, anywhere.

See for yourself why so many of your fellow Texan drivers are switching to GEICO for car insurance. Start your online Texas auto insurance quote anytime. It's fast and free.

Facts About Texas Car Insurance

  1. Texas has one of the highest numbers of uninsured drivers in the United States, with approximately 12% of its drivers lacking car insurance in 2023.
  2. Texas has a particularly high incidence of severe weather events, including hailstorms, which can lead to increased car insurance rates due to the prevalence of comprehensive coverage claims for hail damage.
  3. According to data from the Texas Department of Transportation, a reportable car accident occurred in the state every 57 seconds in 2022.

Texas Auto Insurance Laws

Texas desert cactusIn Texas, you'll need proof of auto insurance when/if you:

  • Get a car inspection
  • Register a car
  • Complete certain transactions pertaining to your driver's license
  • Are pulled over by law enforcement

The fine for driving without insurance in Texas can be up to $1,000. Avoid the headache and hassle and make sure you have at least the minimum required auto insurance coverage.

Learn more about Texas auto insurance requirements.

Minimum Car Insurance Coverage in Texas

Texas law mandates that all drivers must carry at least the minimum liability coverage, which includes $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage.

While these are the minimum coverages Texas requires you to have, everyone's insurance needs are different.

Consider adding additional coverage, such as collision or comprehensive, based on your insurance needs. Here are some coverage options you may want to consider or visit Coverage Calculator to get a personalized recommendation.

Coverage Type State Requirements
Bodily injury liability
Helps cover medical expenses, rehabilitation, and legal fees sustained by individuals involved in an accident in which the insured is found to be at fault.
$30,000 per person and $60,000 per accident
Property damage liability
Helps cover the cost of repairs or replacement of property—such as vehicles or structures—damaged in an accident in which the insured is found to be at fault.
$25,000 limit
Uninsured motorist
Provides the insured with bodily injury and property damage protection in the event of an accident with an uninsured driver.
  • Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident unless you reject this coverage
  • Uninsured motorist property damage: $25,000 and a $250 deductible unless your reject this coverage
Not required
Underinsured motorist
Provides the insured with protection in the event of an accident with a driver who does not have sufficient insurance coverage.
Not required
Personal injury protection (PIP)
Pays for the medical expenses, lost wages, and other related costs for the policyholder and their passengers in the event of an accident, regardless of fault.
Not required - $2,500 unless you reject this coverage
Helps cover the cost of repair or replacement of the insured's damaged vehicle in the event of an accident, regardless of fault.
Not required
Helps cover the cost of repair or replacement of the insured's damaged vehicle in the event of non-collision events, such as theft, vandalism, or natural disasters.
Not required

Texas Laws on Electronic Proof of Insurance

In Texas, proof of insurance laws are in place to ensure that all drivers on the road have the required liability insurance coverage to provide financial protection in case of accidents.

To comply with these laws, drivers in Texas must carry proof of insurance in their vehicles at all times. Proof of insurance typically comes in the form of an insurance card provided by the insurance company. Law enforcement officers may request this proof during routine traffic stops or in the event of an accident. If a driver is unable to provide valid proof of insurance, they can face fines, license suspension, and even vehicle impoundment. With the GEICO mobile app, you can access your proof of insurance anytime, anywhere, without the fear of misplacing it.

Texas Car Registration Information

Get A Texas Driver's License

New residents moving into Texas, who have a valid driver license from their home state, have 90 days after entry into the state to secure a Texas driver license.

Applicants age 18 and over with a valid out-of-state driver license will be required to:

  • Provide proof of Identity
  • Provide proof of Social Security Number
  • Provide proof of Texas vehicle registration and liability insurance, if you own a vehicle
  • Complete required forms available at any Texas Driver License office
  • Pay the required fee
  • Pass a vision exam
  • If you have a valid out-of-state license in your possession, it must be surrendered at the driver license office

When filing your application, please submit:

  • A completed Application for Texas Certificate of Title, Form 130-U
  • Original out-of-state title or current foreign or military ownership document
  • A completed Form VTR-68-A and proof of compliance with U.S. Department of Transportation safety requirements if you have a foreign ownership document
  • Vehicle Identification Certificate, issued by an approved safety inspection station
  • Valid proof of liability insurance meeting Texas requirements
  • The car's current odometer reading, if the vehicle is less than 10 model years old
  • Sales or use tax verification if you have not previously registered the car in another state

Texas Teen Driving Laws

Texas teen driverIf your Texan teen is getting close to the driving age, you both should know:

  • At age 15, individuals can apply for learner license. This allow young drivers to practice driving if they're with a licensed driver at least 21 years old.
  • Drivers may then apply for a provisional license at age 16, after successfully completing:
    • Hold a valid learners or hardship license for a minimum of six months;
    • Complete classroom and behind-the-wheel portions of driver education;
    • Pass the Impact Texas Teen Driver (ITTD) course; and
    • Obtain a passing score on the driving test.
  • The provisional driver's license is valid until they turn 18, at which time all restrictions are lifted.

Texas Good Student Discount

Students may be eligible for a Good Student Discount if they meet the following conditions:

  • 16 years of age or older; and
  • Enrolled fulltime in an educational institution (high school, college or home schooled); and
  • Maintains a "B" average or a 3.0 GPA

Get a quote today to see how much you could save with a Good Student Discount.

Texas Auto Insurance Agents

We have dedicated Texas car insurance agents across the greater Texas area, from Abilene to San Antonio, ready to answer any questions you have about a GEICO car insurance policy. You can also reach us 24/7 in our award winning app. Check out how we're making insurance easier in the app with 1 click bill pay, digital ID cards, on-demand roadside assistance, and more. Download our award winning app today.

Texas Car Insurance FAQ

  • Is car insurance required in Texas?
    At a minimum, Texas drivers are legally required to have liability car insurance coverage with minimum limits of $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident.
  • Are there additional discounts for my Texas Car Insurance?
    Car insurance companies in Texas offer various discounts to policyholders, which may include safe driver discounts, multi-vehicle discounts, good student discounts, and discounts for completing defensive driving courses. These discounts can help drivers save money on their insurance premiums while maintaining adequate coverage.
  • Is Texas a no-fault insurance state?
    Texas is not a no-fault insurance state. Texas follows a fault-based (also known as tort liability) system for auto insurance, where the at-fault driver's insurance typically pays for the damages and medical expenses of the other party in an accident.
  • What's the average cost of Texas car insurance?
    The average cost of car insurance in Texas can vary depending on factors such as the driver's age, location, driving history, and coverage options. To get an accurate estimate of the average cost of car insurance in Texas, ask for quotes for comparable coverage from multiple providers

Learn More