Is PIP required in Texas?

Every Texas auto policy includes PIP unless you reject it in writing.

Do I have to buy uninsured motorist coverage in Texas?

Insurers must offer it. You can decline, but only in writing.

Car insurance in Texas

The legal minimum is 30/60/25. Two other coverages are on your policy unless you say no in writing.

Texas is an at-fault state: the driver who causes a crash is responsible for the damage, usually through their liability insurance. The state sets the minimum, and it's lower than most drivers need.

Hail and flooding make the optional coverages more important in Texas than the minimum suggests.

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The minimum: 30/60/25

Texas law requires at least $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage. The Texas Department of Insurance calls this 30/60/25 coverage. It pays for damage you cause to other people, not for your own car or injuries.

A serious crash can easily exceed these limits, and you can be held responsible for the difference. Many drivers choose higher limits, especially if they own a home or have savings to protect.

PIP: included unless you reject it in writing

All Texas auto policies include personal injury protection (PIP), which helps pay medical bills and lost wages for you and your passengers regardless of who caused the crash. If you don't want it, you must tell the company in writing.

Uninsured and underinsured motorist coverage

Insurance companies must offer uninsured/underinsured motorist (UM/UIM) coverage, which protects you when the at-fault driver has no insurance or not enough. As with PIP, you must reject it in writing if you don't want it. Before rejecting either, it's worth understanding what you'd be giving up.

Hail and flood: comprehensive coverage

Hail and flood damage to your car is covered by comprehensive coverage, not liability. Texas regularly sees both; our county pages show how often federal disasters have been declared where you live. If your car is financed or leased, your lender will almost certainly require comprehensive and collision.

Shopping for Texas car insurance

Compare the same limits and deductibles across quotes.
Ask how each company prices your ZIP code, driving record and credit, where allowed.
Check discounts for bundling with home or renters insurance.
Review your coverage when you move within Texas; rates can change by county.

Common questions

30/60/25: $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage.

Want this priced for your part of Texas?

Rates in Texas vary a lot by ZIP code, especially for home and auto. Tell us where you are and what you need, and a licensed insurance professional can show you what’s actually available.