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Car Insurance Liability Requirements in Texas
- Minimum Liability Limits in TX: 30/60/25 [4]
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- 30 Required coverage up to $30,000 for one individual injured in an accident
- 60 Required coverage up to $60,000 for all persons injured in an accident
- 25 Required coverage up to $25,000 for property damage in an accident
- Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Texas
- Auto Insurance Coverage Requirements in TX [4]
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- Bodily injury liability coverage
- Property damage liability coverage
Car Insurance Verification Laws in Texas
- Insurer Verification of Auto Insurance in TX [4]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Texas Car Insurance Facts, Estimates & Related Laws
Texas Car Insurance Facts
- Average Car Insurance Rates in TX
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- Texas had the 14th highest auto insurance rates in the nation in 2010. [2]
- Rates in TX ranked 14th in the nation in 2009. [2]
- In 2008, TX had the 15th highest rates in the country. [2]
- Number of Auto Insurance Policies in TX
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- Texas ranked 2nd in the nation in auto insurance policies in 2011 with a total of 16,714,340. [1]
- Uninsured Motorist Rate in TX
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- The uninsured motorist rate in TX ranked 19th in the nation in 2009. [3]
Texas Distracted Driving Laws
- Hand-held phone ban? Yes
- hand-held phone ban in place for drivers in school crossing zones and on public school property during the time the reduced speed limit applies. [7]
- Texting-while-driving ban? Yes
- Texting-while-driving ban in place for bus drivers with minor passengers, drivers younger than 18, and drivers in school crossing zones and on public school property during the time the reduced speed limit applies. [7]
- Young drivers cell phone ban? Yes
- Ban applies to drivers younger than 18. [7]
- Bus driver cell phone ban? Yes
- Ban applies to bus drivers with minor passengers. [7]
- Enforcement of laws:
- Primary enforcement in effect. [7]
- With primary enforcement, a police officer can pull over a driver for that specific offense.
- Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Texas Automotive Laws
- Safety Belt Laws in TX
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- Safety belt laws have been in place since 1985 and apply to drivers/passengers 7 years and younger who are 57 inches or taller; 8+ years in all seats. [7]
- Child restraint law in place for 7 years and younger and less than 57 inches. [7]
- Motorcycle Helmet Laws in TX
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- Motorcycle helmets required for 20 and younger. [7]
- Texas exempts riders 21 or older if they can either show proof of successfully completing a motorcycle operator training and safety course or can show proof of having a medical insurance policy. [7]
- Driver's License Renewal Cycle in TX
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- Renewal cycle: 6 years [7]
Texas Auto & Driver Facts
Texas Automotive Facts
- Speed Limits in TX
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- Rural interstates: 75 mph (80 mph or 85 mph on specified segments of road) [7]
- Urban interstates: 75 mph [7]
- Other roads: 75 mph [7]
- Motor Fuel Consumption in TX
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- Texas cities collectively ranked 2nd in the nation in total motor fuel consumption in 2011. [9]
Texas Licensed Drivers
- Licensed Drivers in TX [10]
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- Total Drivers: 15,122,518
- Female: 7,632,187
- Male: 7,490,331
- TX has the 2nd most drivers in the U.S.
- Minimum Driving Age in TX [5]
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- Texas has a minimum driving age of 15 years.
Texas Auto Registrations
- Auto Registrations in TX [8]
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- Registered Cars: 8,964,823
- Registered Trucks: 10,156,094
- Registered Motorcycles: 442,483
- Total Registrations: 19,617,055
- Rank: Texas ranked 2nd in the United States in total auto registrations in 2011.
Additional information about Texas
About Texas
Texas has a population of approximately 25,145,561, which ranks 2nd in the U.S. among all states. [6]
More about Texas auto insurance
For more information about auto insurance in TX, or for additional resources regarding Texas car insurance, visit the Texas Department of Insurance.
Did you know?
Under primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration
