Is Texas an at-fault or no-fault state?

Texas is an at-fault at-fault state for car insurance claims.

Field report · TX

Car insurance in Texas

Texas is a at-fault state with a minimum liability requirement of30/60/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage30/60/25

Fault systemAt-fault

Uninsured motoristNot required

RegulatorVehicle registration/titling: Texas Department of Motor Vehicles (TxDMV); driver licenses: Texas Department of Public Safety (TxDMV does not handle driver licenses, a common point of confusion)

What the minimums actually mean

$30,000 per injured person, $60,000 total per accident for injuries, and $25,000 for property damage - in place since 2011 and unchanged for 2025-2026.

Not mandatory; insurers must offer UM/UIM, but declining it requires a signed, state-prescribed written form - a verbal rejection isn't valid, and courts often apply UM/UIM by default if no valid signed rejection exists.

Estimated cost

Illustrative estimate: sources vary widely, roughly $620-$1,650/year for minimum coverage - flagged as uncertain due to unusually wide spread across aggregators.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Texas does require SR-22 filings (unlike some neighboring states), typically after a DUI/DWI conviction, driving without insurance, or an at-fault accident while uninsured.

Local conditions worth knowing

Texas leads the nation in hail-damage insurance claims, with the Dallas-Fort Worth Metroplex sitting in one of the most hail-active regions in North America, plus substantial Gulf Coast hurricane exposure.

Frequently asked

What is the minimum car insurance requirement in Texas?: Texas requires liability limits of at least 30/60/25. $30,000 per injured person, $60,000 total per accident for injuries, and $25,000 for property damage - in place since 2011 and unchanged for 2025-2026.
Is Texas an at-fault or no-fault state?: Texas is an at-fault at-fault state for car insurance claims.
Do I need an SR-22 in Texas?: Texas does require SR-22 filings (unlike some neighboring states), typically after a DUI/DWI conviction, driving without insurance, or an at-fault accident while uninsured.
Is uninsured motorist coverage required in Texas?: Not mandatory; insurers must offer UM/UIM, but declining it requires a signed, state-prescribed written form - a verbal rejection isn't valid, and courts often apply UM/UIM by default if no valid signed rejection exists.

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