Insurance Requirements for Car Registration in Texas

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All drivers in the state of Texas are required to be financially responsible for any costs associated with an automobile accident. Most drivers choose to carry liability insurance, but there are a few other methods to securing financial responsibility that are recognized by the state. Here are all the ways a driver in Texas can legally maintain financial responsibility:

  • Carry the minimum required liability insurance

  • Post a surety bond in the same minimum amount as the liability insurance requirements

  • Deposit $55,000 in cash or securities with the State’s Comptroller

  • Deposit $55,000 cash or cashier’s check with the county judge in the country where the vehicle is registered

  • Obtain a certificate of self-insurance; this option is only available to drivers who own more than 25 vehicles.

The minimum financial responsibility requirements for Texas drivers are as follow:

  • A minimum of $30,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $60,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $25,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $85,000 to cover bodily injury or death, and property damage liability.

Texas Automobile Insurance Plan

Drivers who have been deemed high-risk drivers may find it difficult to obtain traditional insurance through an insurance provider. All Texas insurance providers are legally allowed to deny coverage to high-risk drivers.

In order to ensure that all the drivers on the roads are maintaining the legally required insurance, the Texas Automobile Insurance Plan allows any high-risk driver to apply to any car insurance company for coverage, even a company that have previously rejected them due to their driving history. Therefore, Texas ensures that all drivers are maintaining the required minimum amount of liability insurance.

Proof of insurance

The state of Texas recognizes the insurance ID card from the insurance provider as acceptable proof of insurance. This proof will need to be displayed in the following circumstances:

  • An officer of the law asks to inspect the card.

  • A driver gets into a car accident.

  • Registration must be renewed, or a new vehicle must be registered.

  • A driver’s license must be renewed, or a new driver is applying for a license.

  • A car is inspected.

Violation penalties

If a driver is caught operating a vehicle without the required minimum insurance coverage, the state of Texas may issue several types of penalties. These include:

  • Fines of $175 to $350 for a first offense

  • Fines of $350 to $1,000 for future offenses

  • Suspension of driver’s license

  • Impoundment of vehicle

If an uninsured driver causes a car accident that results in serious injury or death, the fines could be as high as $4,000, and the driver could face one year in jail.

For more information, or to renew your registration online, contact the Texas Department of Motor Vehicles through their website.


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Bernie

50 years of experience
41 reviews
Bernie
50 years of experience
Honda Accord - Brake Pads Replacement (Rear) - Phoenixville, Pennsylvania
I specifically asked for Bernie to come back, since I was so pleased with the work he did on our other car. This time I got to meet Bernie personally. He is a kind family-man who exhibited the quiet confidence of someone you would expect with the 50 years of automotive experience that he has. I felt very comfortable giving him the key to my car. Two of my kids (ages two and four) came out to greet him, since they remembered him from his first visit. Bernie is great around kids and was very kind to my two-year old son who was trying to "help" Bernie do his job. Thanks again, Bernie!
Honda Odyssey - Brake Pads Replacement (Front, Rear) - Phoenixville, Pennsylvania
I was very pleased with Bernie's work, professionalism, and courteousness. Best brake job I have ever had, and I have had many done (and several done myself, but not on this vehicle). This was a maintenance appointment -- not a repair of something broken -- so I was surprised when the brakes felt so much better after Bernie did the work. You can really see the care he took with our vehicle when I examined everything after he was finished. Thanks, Bernie!

Daniel

9 years of experience
17 reviews
Daniel
9 years of experience
Hyundai Sonata - Brake Pads Replacement (Front, Rear) - Sacramento, California
Awesome customer service. On time and answered my questions with patience. Listened to my concerns and made helpful suggestions. Seemed very knowledgeable and experienced. I will be glad to request him again. Thank you!!

Breck

18 years of experience
532 reviews
Breck
18 years of experience
Toyota RAV4 - Brake Pads Replacement (Rear) - Conroe, Texas
Breck was awesome! He called ahead of time and asked if he could arrive early. He was friendly and easy to talk to. He made me feel comfortable with the service he was going to provide and explained things clearly to me. He smiled and made this experience a good one. I will absolutely be booking future appointments with Breck and I will recommend him and Your Mechanic services to others I know. Thank you!

Brian

19 years of experience
101 reviews
Brian
19 years of experience
BMW Z4 - Brake Pads Replacement (Rear) - Phoenix, Arizona
Brian knows what he is doing and I am so happy yourmechanic.com suggested him for my Z4 car inspection prior to purchasing and even happier he was available to perform my 1st service on the vehicle I purchased. His knowledge on the brand gave him ability to to an in depth inspection and he communicated very well informing me what to prepare for in ownership of my BMW. When he came to perform maintenance on my vehicle he shared so many tips with me. I will absolutely be having Brian come back out when I need future servicing on my car.

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