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Texas Auto Insurance Requirements -The state of Texas mandates that all auto drivers and vehicle owners carry the following minimum amounts of coverage of auto insurance:

  • $20,000 for bodily injury or death of 1 person per accident
  • $40,000 for injury or death of 2 or more persons per accident
  • $15,000 for injury to or destruction of property of others in any one accident.

All Texans are required to carry evidence of their insurance coverage in their auto at all times. Usually this is in the form of an identification card provided by your insurer, an insurance policy, and insurance binder, or a certificate of self-insurance.


Texas Department of Insurance
333 Guadalupe, Austin 78701
P.O. Box 149104, Austin 78714-9104
800-252-3439

The CDI ensures that consumers are protected; that the insurance marketplace is fostered to be vibrant and stable; that the regulatory process is maintained as open and equitable;and that the law is enforced fairly and impartially.

Their website provides immediate access to a wealth of Texas auto insurance information including regulations governing the Texas auto insurance industry and a complete copy of the Texas Insurance Code.



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