State Coverage Requirements

Coverage Type

State Coverage Requirements

Bodily Injury Liability

$30,000 limit per person / $60,000 limit per accident

Property Damage Liability

$25,000 limit

Collision

Not required, but recommended

Comprehensive

Not required, but recommended

Medical Expenses

Not required, but recommended

Personal Injury Protection (PIP)

Not required

Uninsured Motorist

Not required, but recommended

Underinsured Motorist

Not required, but recommended

Property Protection (PPI)

Not required

Average rates vs National Average

National AVG.

Texas AVG.

source: www.iii.org

Cellphone/Texting

Explained

Hand-Held Cell Phone Ban:

There is no ban.

All Cell Phone Use Ban for Novice Drivers:

Drivers under the age of 18 cannot use a cell phone at all while driving.

Texting Ban:

In Texas, text messaging is banned for drivers under the age of 18 and bus drivers with passengers 17 and under.

DUI Laws

Explained

The legal limit for a blood alcohol concentration (BAC):

The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.

Increased penalty for high BAC:

There's an increased penalty for drivers with a BAC of 0.15 or above.

1st offense Suspension:

Administrative license suspension on the 1st offense: In Texas, law enforcers can confiscate a first-time offender's driver's license for 90 days if he or she exceeds the legal limit and 180 days if he or she refuses to submit to a chemical test. Limited driving privileges, such as to and from work, are permitted.

Ignition Interlocks:

These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Texas made the installation of ignition interlocks mandatory for repeat offenders.

Repeat Offenders:

Minimum penalties for repeat offenders include suspension of driving privileges for at least one year, impoundment or immobilization of offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and imprisonment or community service for a second-time offender. Third-time and further offenders can see longer imprisonment or community service sentences.

Open Container Law:

No driver or passenger can have any bottle, can, jar or other receptacle containing any alcohol that has been opened, the seal broken, or with partial contents removed in his or her possession or in any area of the vehicle where it would be easily accessible by the driver or passengers. However, open containers of alcohol may be transported in the trunk of a vehicle, a locked glove compartment, or in the area behind the last upright seat in a vehicle without a trunk.

Graduated Drivers License

Explained

Learner Stage:

(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 30 hours of supervised driving, 10 of which need to be at night.

Intermediate Stage:

Min. Age: 16
Night Driving Restriction: Midnight-5am
Passenger Restriction: No more than 1 passenger under 21

(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of midnight and 5am and cannot drive with more than one passenger under 21.

Full Privilege Age:

Age: 18

(Full driver's license): At the age of 18, Texas drivers can now get a standard driver's license without any restrictions.

Speed Limit

Car

Truck

Rural Interstates:

SPEED LIMIT
75-85 MPH
SPEED LIMIT
75-85 MPH

Urban Interstates:

SPEED LIMIT
75 MPH
SPEED LIMIT
75 MPH

Other Limited Access Roads:

SPEED LIMIT
75 MPH
SPEED LIMIT
75 MPH

Page Source: ghsa.org

Texas
Department of Insurance

Website: www.tdi.texas.gov/
Address:  333 Guadalupe, Austin, TX 78701
Phone:  512-463-6169 or 1-800-578-4677

Texas
DMV Information

Website:  www.txdmv.gov/index.php
Phone:  888-DMV-GOTX or 888-368-4689 or 512-465-3000
Call Center Hours:
 Monday - Friday 7:30am - 5:30pm (Central Time)