Laws and auto insurance requirements in Texas. Each state has individual laws that set parameters for what is required and what is not required concerning auto insurance. At this time, Texas is not a “no-fault” state, which means that PIP coverage is optional but not required by law. Similarly, Uninsured / Underinsured Motorist Coverage (UM / UIM) is optional but not a legal requirement. However, liability insurance is required. The Texas-specific minimum requirements are 30/60/25, which means:
- $ 30,000 – bodily injury per person
- $ 60,000 – bodily injury per accident
- $ 25,000 – property damage per accident
Aside from the insurance laws in Texas, you will need to know and comply with other traffic laws while driving in this state. Violating the laws about speed limits, for example, could result in a fine, leaving you far from being able to buy car insurance now and pay later. You will surely be subject to an increase in Texas auto insurance premiums. Speed limits in Texas are as follows:
- Urban districts – 30 mph
- Alleys and public roads adjacent to public beaches -15 mph
- Country roads – 85 mph
- Texas has the highest legal speed limit on rural highways in the United States.
- More about car insurance in Texas
Ensuring you are well informed about state laws related to car insurance and driving, in general, is never a wasted effort. The better informed you are, the better qualified you will be when you hit the roads in Texas. Visit the appropriate website listed below for more information on obtaining a driver’s license or state ID in Texas or registering your vehicle in Texas.
- Texas Department of Motor Vehicles – www.txdmv.gov/
- Texas Department of Insurance – www.tdi.texas.gov/
- Official Texas State Website: www.texas.gov/
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