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Texas Auto Insurance Requirements and Coverage - Houston

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The simplest way to keep your car insurance rates low is by driving safely and obeying all traffic laws. At Find the leading auto insurance companies, with great service, low rates and flexible payment plans at, the specialty company providing easy access to the Spanish language market.

Car Insurance Requirements

Texas requires you to be able to pay for any damages and injuries from a car accident you caused. Most people buy liability car insurance to fulfill this law.

If you choose to buy liability insurance to comply with the law, your policy must have the following minimum limits:

  1. $30,000 for each injured person.
  2. $60,000 for injuries per incident.
  3. $25,000 for property damage.

Other Car Insurance

Texas only requires you to have liability insurance, but there are other optional types of car insurance coverage available to help protect you financially, which include:

  1. Collision – This coverage will help cover damages to your vehicle due to accidents with other cars.
  2. Comprehensive – This coverage will help with damages to your car due to incidents not involving car collisions. For example, if hail dents your car, you may be covered through comprehensive coverage.
  3. Uninsured/Underinsured drivers – The Texas Department of Motor Vehicles (TxDMV) states that about 20% of current drivers in TX are uninsured. This coverage can help protect you from damages caused by these drivers.
  4. Towing and labor.

NOTE: If your car is being financed, your lending or leasing company will require you to carry both collision and comprehensive coverage for your car.

Driving Rules for Older Drivers

Starting at age 79, drivers must renew their licenses in person, rather than by mail or online, and get a vision test. Starting at age 85, drivers must renew their licenses every two years instead of every six.

Those requirements began in 2007, a result of “Katie’s law,” after a 2006 Dallas-area crash in which a 90-year-old driver ran a stoplight and killed a 17-year-old who was driving to school.


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