Updated May 2026
Minimum Coverage Requirements in Texas
Texas is a tort state where at-fault drivers are liable for damages. The Texas Department of Public Safety requires all drivers to carry 30/60/25 liability minimums: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. Texas uses the OmniBase system to suspend licenses for unpaid traffic tickets, court fines, and surcharges. Proof of insurance is verified electronically through TexasSure.
How Much Does Car Insurance Cost in Texas?
Texas rates for minimum liability coverage range from $50 to $90 per month for drivers with clean records. Drivers reinstating after an unpaid-tickets suspension typically see premiums in the $60 to $100 per month range because there is no SR-22 filing requirement and no accident or DUI history. Your total reinstatement cost includes unpaid ticket debt, the $100 state fee, and first-month premium.
What Affects Your Rate
- Texas's electronic verification system TexasSure flags uninsured drivers immediately, increasing enforcement risk and premium surcharges for lapses.
- Urban zip codes in Houston, Dallas, and San Antonio see premiums 25% to 40% higher than rural areas due to collision frequency and theft rates.
- Drivers with multiple unpaid tickets often have other violations in their history — each moving violation adds $15 to $40 per month to premiums.
- Carriers view license suspensions for unpaid fines as lower risk than DUI or accident-related suspensions, so premiums increase modestly, not dramatically.
- Texas's high uninsured motorist rate (14%) makes uninsured motorist coverage particularly valuable — one in seven at-fault drivers cannot pay your claim.
Get insured and start your reinstatement process today
Compare carriers that file SR-22 in your state and work with suspended license drivers.
Get Your Free QuoteCoverage Types
Reinstatement Insurance
Minimum liability policy purchased specifically to meet Texas Department of Public Safety proof-of-insurance requirements for license reinstatement after suspension.
Non-Standard Auto Insurance
Coverage for drivers with suspensions, violations, or gaps who cannot qualify for standard-market policies. Carriers specialize in reinstatement cases.
Liability Insurance
State-required coverage that pays for injuries and property damage you cause to others in an at-fault accident.
Uninsured Motorist Coverage
Optional coverage that pays your medical bills and vehicle damage when an at-fault driver has no insurance.
Comprehensive Coverage
Covers theft, hail, flooding, vandalism, and animal strikes — events outside your control that damage your vehicle.
Find Your City in Texas
Sources
- Texas Department of Public Safety — license reinstatement requirements and fees
- Texas Transportation Code — financial responsibility requirements and suspension authority
- OmniBase Omni Exclusion Unit — unpaid fines suspension clearance procedures