Texas State Auto Insurance Laws

Texas has its own set of requirements for its residents when it comes to auto insurance. For information pertaining to specific state regulations consumers can contact the Texas Department of Insurance, located in Austin, by calling 800-252-3439 or by accessing their website at http://www.tdi.state.tx.us/

Mandatory Minimum Level of Coverage
Texas law requires you to have auto liability insurance. If you drive in Texas, you must show that you can pay for accidents you cause. Most Texas drivers do this by buying auto liability insurance. The statutory minimum limits of liability insurance in Texas are:

Bodily Injury
- $25,000 for the death or injury of any one person, any one accident
- $50,000 for all persons in any one accident

Property Damage
- $25,000 for any one accident

What if I fail to keep insurance on my vehicle that I have registered in Texas?
Texas law provides severe penalties for violating the state's financial responsibility laws. A first conviction will result in a fine between $175 and $350. Subsequent convictions could result in fines of $350 to $1,000, suspension of your driver's license, and impoundment of your automobile. By the end of 2008, Texas will also use a real-time insurance verification system called TexasSure, which allows law enforcement officers and county tax officials to instantly verify whether a vehicle has auto liability coverage required by state law. In short, state officials say "if you're not covered, you'll be discovered".

If you have any questions regrading Texas Laws on Auto Coverage, please contact our office.

Heimer Insurance Services, Inc.
16052 N. Evans Rd., Selma, TX
Phone: (210) 479-9990
Fax: (210) 822-1196