2025 Texas Minimum Car-Insurance Requirements

This page digs into the state-minimum liability limits every Texas driver must carry in 2025 and shows how to meet them for as little as $34 per month. If you need broader context, see our Texas Auto Insurance hub.

Compare 2025 Texas Rates by ZIP Code

Enter your ZIP, choose “Liability Only,” and instantly compare real-time prices from GEICO, Progressive, The General and other Texas carriers — no phone calls required.

2025 Mandatory Liability Limits

• **Bodily Injury**: $30,000 per person / $60,000 per accident
• **Property Damage**: $25,000 per accident
• Uninsured/Under-insured Motorist & PIP are still optional (automatic unless rejected in writing).

Penalties for Driving Uninsured

• 1^st offense: $175 – $350 fine + possible SR-22 filing
• 2^nd offense: $350 – $1,000, license suspension, vehicle impound
• At-fault crash without coverage: license & registration suspended until damages are paid.

Cheapest State-Minimum Rates by Metro

• Houston — from $41 / mo
• Dallas / Fort Worth — from $38 / mo
• San Antonio — from $36 / mo
• Austin — from $34 / mo
• El Paso — from $33 / mo

Need an SR-22?

After a DUI or lapse in coverage you’ll need to keep an SR-22 on file for two continuous years. Get step-by-step pricing in our dedicated Texas SR-22 guide.

FAQ — Texas Minimum Coverage

Are digital proof-of-insurance cards accepted?
Yes. You can present electronic ID cards during traffic stops or inspections.

Does my credit score affect a state-minimum quote?
It influences the price tier but cannot be used to refuse coverage outright.

Can I waive Personal Injury Protection?
Yes. PIP ($2,500 default) is included automatically unless you reject it in writing.