Car Insurance Coverage in Texas
Texas 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 the 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.
In Texas, you'll need proof of auto insurance when you:
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.
Texas law requires all drivers to have the following minimum coverages as part of their auto insurance policy:
| 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.
| 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 |
| Collision 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 |
| Comprehensive 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 |
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 in Texas. Here are some coverage options you may want to consider or visit Coverage Calculator to get a personalized recommendation.
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.
In Texas, drivers are only required to have liability coverage minimums of 30/60/25. However, this coverage applies to injuries and property damage you cause to others, not you or your vehicle. While not an actual term used by most insurers, "full coverage" car insurance typically includes the state-mandated minimum coverage and the following to ensure you're adequately protected:
It's important to note that if you lease or finance your car, your lender may require you to have comprehensive and collision coverage.
New residents moving into Texas, who have a valid driver's license from their home state, have 90 days after entry into the state to secure a Texas driver license.
Texas residents that are age 18 and over with a valid out-of-state driver's license will be required to:
When filing your registration application in Texas, please submit:
Maintaining valid Texas car insurance is critical for car registration, whether you're located in Corpus Christi, Austin, or Houston.
Texas Good Student Discount: Students may be eligible for a Good Student Discount if they meet the age requirements, are enrolled full-time in an educational institution (high school, homeschool program, or college/university), and maintain a "B" average or a 3.0 GPA. Get a quote today to see how much you could save with a Good Student Discount.
Additional Discounts:
We have dedicated Texas car insurance agents across the greater Texas area, from Dallas to San Antonio, ready to answer any questions you have about a GEICO car insurance policy. You can also learn more 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.