Is Texas a no-fault state?
No. Texas is an at-fault state. The driver who causes a crash must pay for the damage and injuries, usually through liability insurance.
Last checked November 9, 2026 · Official sources (5)
How does Texas car insurance work?
“Texas law requires drivers to show proof they can pay for the accidents they cause. Most drivers do this by buying auto liability insurance.”
Texas Department of Insurance
What is Texas's minimum car insurance?
| Coverage | What Texas requires |
|---|---|
| Injury to one person | $30,000 |
| Injuries in one crash | $60,000 |
| Damage to property | $25,000 |
| Personal injury protection (PIP) | Every Texas auto policy includes PIP unless you reject it in writing. |
| Uninsured motorist | Insurers must offer uninsured/underinsured motorist coverage. To decline it, you must say so in writing. |
Other at-fault states
Questions
How much insurance does Texas require?
At least $30,000 per person and $60,000 per crash for injuries, and $25,000 for property damage (30/60/25).
What if you were partly at fault in Texas?
If you are more than 50% at fault, you get nothing; otherwise your money is reduced by your share of fault.
Hurt in a crash in Texas? Find out if you are owed money.
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See if I’m owed moneySources (5)
- Texas Department of Insurance, checked 2026-11-09. “Texas law requires drivers to show proof they can pay for the accidents they cause. Most drivers do this by buying auto liability insurance.”
- Texas Department of Insurance, checked 2026-11-09. “Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage.”
- Texas Department of Insurance, checked 2026-11-09. “But it also pays for things like lost wages and other nonmedical costs. All auto policies in Texas include PIP coverage. If you don’t want it, you must tell the company in writing.”
- Texas Department of Insurance, checked 2026-11-09. “It also pays if you’re in a hit-and-run accident. Insurance companies must offer you this coverage. If you don’t want it, you must tell the company in writing.”
- Texas Legislature, Tex. Civ. Prac. & Rem. Code § 33.001, checked 2026-11-09. “In an action to which this chapter applies, a claimant may not recover damages if his percentage of responsibility is greater than 50 percent.”