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Texas’ minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Texas:

Is it mandatory to have car insurance in Texas? 


What are the minimum limits for Texas? 

$30,000 bodily injury per person 
$60,000 bodily injury per accident 
$25,000 property damage per accident



Dairyland® coverage in Texas

At Dairyland, we’re proud to be able to help drivers in Texas meet their insurance needs. Here are some of the parameters of our insurance coverage in Texas:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Texas?

$50,000 bodily injury per person 
$100,000 bodily injury per accident 
$50,000 property damage per accident



What liability coverages are required to be offered in Texas? Can a customer reject them?

Bodily Injury and Property Damage must be offered and can’t be rejected. Personal Injury Protection, Uninsured Motorist/Underinsured Motorist Bodily Injury, and Uninsured Motorist/Underinsured Motorist Property Damage must be offered, but they can be rejected.

What are all the coverages Dairyland offers in Texas?

  • Bodily Injury
  • Property Damage
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured/Underinsured Motorist Property Damage
  • Medical Payments
  • Personal Injury Protection
  • Comprehensive
  • Collision
  • Special Equipment
  • Rental Reimbursement Roadside
  • Limited Mexico coverage
  • Roadside Assistance

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Texas? 

 20 years 

How far back does Texas go to look at violation history?  

3 years

What additional policy types are offered in Texas?  

Named Non-Owner

Is an insurance score used in my rating in Texas? If so, is it mandatory? 

Yes, an insurance score is used for rating in Texas, but you can opt out.

What policy terms does Dairyland offer in Texas?  

1–6 months

What is Dairyland’s minimum down payment option in Texas?  

1-month term, or 16.7% plus five installments (availability limited by risk characteristics)

Are SR22s used in Texas?  If so, is there a fee assessed by Dairyland? Is it filed electronically?  

SR22s are available in Texas, filed electronically with no fee.

What discounts are available from Dairyland in Texas?

  • Homeowner
  • Prior insurance
  • Multi-car
  • Paid in full
  • Advance quote
  • Quarterly payment
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