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Texas Legal Requirements

Texas Insurance Requirements: Complete 2025 Guide

Stay legal and protected with proper Texas insurance coverage. 36 years of expertise helping Texans comply.

LEGAL REQUIREMENT: Texas Auto Insurance is Mandatory

Driving without insurance in Texas can result in fines up to $1,000, license suspension, and vehicle impoundment. Don't risk it!

Texas Minimum Auto Insurance Requirements

Required by Texas Transportation Code Chapter 601

Liability Coverage (Required)

$30,000
Bodily injury per person
$60,000
Bodily injury per accident
$25,000
Property damage per accident

Personal Injury Protection (PIP)

$2,500
Minimum PIP coverage

• Medical expenses for you and passengers

• Lost wages (80% of income)

• Essential services replacement

• Can be waived in writing

Recommended Additional Coverage

Protect yourself beyond minimum requirements

Uninsured Motorist

Protection when others don't have insurance

Comprehensive & Collision

Covers damage to your own vehicle

Higher Liability Limits

Better asset protection

Stay Compliant with Baxter Insurance Agency

36 years of expertise ensuring Texas families meet all insurance requirements

Legal Compliance

  • • Meet all Texas requirements
  • • Proper documentation
  • • SR-22 filing assistance
  • • Renewal reminders

Competitive Rates

  • • Multiple carrier options
  • • Discount opportunities
  • • Bundle savings
  • • Payment plan options

Personal Service

  • • Local Houston expertise
  • • Same-day quotes
  • • Claims assistance
  • • 36 years of experience

Get Legal Texas Insurance Coverage Today

Don't risk penalties and financial ruin. Get properly covered now.

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