Texas Auto Insurance Requirements and Regulations Quiz Discover Texas auto insurance requirements, regulations, and coverage details. Get answers to common questions about liability, PIP, uninsured motorist, and more.
#1
It is optional for drivers to have auto insurance in Texas.
Texas law requires all drivers to carry auto insurance.
Only drivers under 25 years old need auto insurance in Texas.
Auto insurance is required only for commercial vehicles in Texas.
#2
$10,000 for property damage
$20,000 per person for bodily injury
$30,000 per accident for bodily injury
Texas does not have specific minimum liability coverage requirements.
#3
Color of the vehicle
Gender of the driver
Zip code where the vehicle is parked
Favorite music genre of the driver
#4
Coverage that pays for repairs to your vehicle if you cause an accident
Coverage that protects you if you're in an accident caused by a driver who doesn't have insurance
Coverage that reimburses you for rental car expenses if your vehicle is being repaired
Coverage that provides medical payments for passengers in your vehicle
#5
To cover damages to your vehicle if you cause an accident
To provide coverage if you are hit by a driver who does not have enough insurance to cover your damages
To reimburse you for medical expenses regardless of fault in an accident
To offer protection against theft and vandalism
#6
Damage to your vehicle caused by an uninsured driver
Medical expenses for injuries sustained in a car accident
Repairs for damages to third-party property
Losses due to theft or vandalism
#7
Only if you are involved in a car accident
During vehicle registration and renewal
When renewing your driver's license
When purchasing a new vehicle
#8
Texas Department of Motor Vehicles
Texas Department of Insurance
Texas Auto Insurance Board
Texas Insurance Commission
#9
To provide discounted auto insurance for military personnel
To regulate auto insurance rates across the state
To provide auto insurance coverage for high-risk drivers who cannot obtain coverage elsewhere
To offer free auto insurance for low-income residents
#10
16 years old
18 years old
21 years old
There is no minimum age requirement
#11
You will receive a warning for the first offense.
Your driver's license will be suspended and you may face fines.
You will be required to attend defensive driving courses.
You will be provided with temporary insurance by the state.
#12
Collision coverage
Comprehensive coverage
Rental car reimbursement
All of the above
#13
A system where each driver's insurance pays for their own damages, regardless of fault
A system where fault is always assigned, and the at-fault party's insurance pays for damages
A system where fault is determined by the police, and their insurance pays for damages
A system where drivers with no previous accidents get discounts on their insurance premiums
#14
Fine and community service
Vehicle impoundment
License revocation
All of the above
#15
A program providing free auto insurance to low-income individuals
A program offering discounted insurance rates to military personnel
A program designed to reduce the number of uninsured vehicles on Texas roads
A program providing insurance coverage for drivers with poor credit
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