Is PIP mandatory in Texas?

Insurers must include ,500 of Personal Injury Protection by default, but you can opt out in writing.

Can Texas insurers use credit scoring?

Yes, Texas permits insurers to use credit-based insurance scores to calculate risk tiers.

State requirements

Texas Car Insurance Requirements & Average Cost (2026)

Texas requires 30/60/25 liability coverage. Texas uses TexasSure electronic verification and follows a 51% proportionate responsibility bar rule.

Data reviewed October 24, 2026

Under the Texas Transportation Code Chapter 601, known as the Texas Motor Vehicle Safety Responsibility Act, all motor vehicle operators must establish financial responsibility. Texas enforces a standard minimum liability package of 30/60/25, electronically tracked in real time through the state TexasSure database.

Texas Statutory Coverage Limits & Average Annual Premiums
Tier	Liability Limits	Typical Annual Premium
State Minimum	30/60/25
Standard Protection	50/100/50 + PIP	,420
Full Asset Protection	100/300/100 + Coll/Comp ( Ded)	,300
High Net Worth	250/500/100 + M Umbrella	,950

Mandatory Texas Liability Limits

Drivers in Texas must carry at least ,000 of bodily injury liability per person, ,000 of bodily injury liability per crash, and ,000 of property damage liability per crash (30/60/25). Medical Payments (MedPay) or Personal Injury Protection (PIP) of ,500 must be offered by insurers unless rejected in writing.

Texas Proportionate Responsibility System

Texas applies a 51% modified comparative fault rule (proportionate responsibility). If a court determines you are 51% or more at fault for an accident, you are barred from recovering any damages from the other party.

TexasSure Electronic Verification

Texas law enforcement and DMV registration renewal offices query TexasSure at every traffic stop and registration transaction. An unverified policy leads to immediate registration holds and citation notices.

State Cost Overview

Minimum liability in Texas averages per year. Full coverage averages approximately ,300 per year, heavily influenced by weather-related hail and flood comprehensive loss claims across coastal and urban counties.

Frequently asked questions

Is PIP mandatory in Texas?: Insurers must include ,500 of Personal Injury Protection by default, but you can opt out in writing.
Can Texas insurers use credit scoring?: Yes, Texas permits insurers to use credit-based insurance scores to calculate risk tiers.