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Texas Car Insurance Requirements

In Texas, the minimum Vehicle Liability Requirements are 30/60/25. That's 30,000 Per accident for bodily injury per person, 60,000 per accident aggregate for bodily injury, 75,000 Property damage liability per covered accident. This provides a total of up to 85,000 for each covered accident.

In order to meet Texas current financial responsibility requirements your policy must have at least these limits. The policy must be issued by an insurer authorized to do business within Texas. Although 85 K is the Texas minimum coverage requirements, higher limits are available from most insurers if desired. Get affordable auto insurance rate quotes from Insurance Plus.

Failure to Maintain

Currently, Failure to maintain Financial Responsibility carries a hefty fine and several other penalties including Suspension of your Drivers License. An financial responsibility insurance filing requirement could be imposed before you can get the suspension lifted. Texas has recently instituted an annual fine of 100 dollars that persists for 3 years after the date of suspension which must be paid in order to maintain your driving privileges.

As a result it now typically costs an individual up to 900 dollars or more in fines and filing fees after receiving a ticket for no insurance while driving in Texas for failure to maintain adequate Financial Responsibility or Insurance.

Important Notices

Automatic notices of Suspension

As of March 1, 2007, Texas has instituted by enacted legislation a requirement that auto insurers doing business within in Texas must report all insured's Effective policy dates, Expirations and Cancellations to a statewide database for use by law enforcement. This will enable law enforcement to verify insurance coverage validity at the scene or even before pulling a driver over. This will also enable law enforcement officers to quickly ascertain if the driver has presented them with an Expired or canceled or otherwise invalid auto insurance card.

If the scenario follows the usage rules currently followed previously. Drivers may in the near future find that their car or vehicle registration has been automatically suspended due to a loss of, or a lapse in auto insurance coverage even though no traffic violation has occurred. Many states have already implemented this method of insurance verification.

State Reciprocal Agreements

The days of jumping state lines to a neighboring state in order to obtain a drivers license are over. In the past many people after having been suspended in one state, would simply cross into another and obtain a New Drivers License. With the age of technology this is no longer a viable option. The various 50 states have all entered into reciprocal agreements wherein an Applicant will be denied until such time as they have resolved any suspension issues, outstanding or unresolved insurance requirements, tickets and or fines in their previous state of issue.

License Address Update

It is important that your current address be correct and up to date with your Licensing Authority and your insurance company. You will usually receive any notice from them regarding the status of your driving privileges at the home address listed on your license

Many people have found only after months or sometimes years later that they have been driving while Suspended. This is usually the result of outdated address information on file.


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