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Texas Minimum Liability Insurance Requirements

The state requires a minimum level of liability insurance for each driver to operate a motor vehicle in Texas. If proper insurance is not maintained while driving your license may be subject to suspension. Any insurance company that is licensed to operate in Texas will offer a minimum level as follows:

$25,000 in Bodily Injury per person
$50,000 in Bodily Injury per accident
$25,000 in Property Damage

Be sure to carry proof of liability insurance on your person or in the vehicle while driving.

What Is The Average Premium for Auto Insurance in Texas?

$67 per month

According to information by the National Association of Insurance Commissioners for 2007 the estimated monthly average is $67. This is an estimate of the combined average premium per insured vehicle with liability and may include comprehensive or collision coverages.

Are you paying too much for auto insurance, get quotes to compare rates in your area.

What level of liability limits should I carry in Texas?

Many people in Texas drive vehicles that cost over $30,000 but if you only have $25,000 in property damage coverage you will owe the difference. Also the cost of medical treatment and other expenses related to an accident can reach $100,000 or more without a law suit.

Consult the advice of a licensed insurance agent in Texas to get a estimate of what limits you should have on your auto policy.

Texas SR-22 Auto Insurance

Texas requires drivers with suspended licenses to maintain a financial responsibility filing called SR-22. For most drivers whose license has been suspended you must file this form. In most cases involving driving under the influence of alcohol you will be required to file an SR-22 with the Texas Department of Motor Vehicle. This filing is normally required for a period of 3 years but may be longer depending on your court order. Reference our SR22 insurance page for more details about SR-22 forms.

 

 

 

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Related Links

Auto Insurance Coverage Options
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