Insurance in Texas: State Rules and Requirements

Car insurance in Texas (30/60/25)

Minimum car insuranceTexas requires at least $30,000 per injured person, $60,000 per accident for injuries, and $25,000 for property damage. Every policy includes PIP unless you reject it in writing, and insurers must offer uninsured/underinsured motorist coverage, which you must also reject in writing if you don't want it. Source
Fault systemTexas is an at-fault (tort) state: the driver who causes a crash, through their liability insurance, pays for the other party's injuries and damage.https://www.tdi.texas.gov/pubs/consumer/cb020.html The Texas Department of Insurance describes Texas as an at-fault state.

Business insurance rules in Texas

Workers’ compensationMost private Texas employers may choose whether to carry workers' compensation; employers that opt out are called non-subscribers and must notify their employees and the Division of Workers' Compensation. Public employers must have coverage, and certain building or construction contractors working for governmental entities must cover each employee on the public project. Source
Contractor licensingTexas has no state general contractor or home builder license; the Texas Department of Licensing and Regulation licenses specific trades such as electricians and air conditioning and refrigeration contractors. Source

Home insurance in Texas

Home insurer of last resortThe Texas FAIR Plan Association sells basic home insurance to people turned down by standard insurers, and TWIA sells wind and hail coverage to coastal residents (including parts of Harris County on Galveston Bay), where hurricanes are the main threat. TWIA coverage can't be bought while a hurricane is in the Gulf. Source

Disasters, floods, hail, tornadoes and earthquakes in Texas

Texas disasters, floods, hail, tornadoes and earthquakes, from federal records
Measure	Texas	Rank among the states	Detail
Federal major disaster declarations since 2000	39	#16 (tied) of 51	Most often for flood (12), severe storm (9), hurricane (8). Walker County has been in 18 of them.
National Flood Insurance Program claims, 2005–2025	226,065	#3 of 51	$14.7 billion paid; 52% of claims with a known flood zone were outside FEMA’s high-risk zones.
Homes in high-risk flood zones with a federal flood policy	40%	#14 of 50	143,426 policies for 358,865 homes in the counties FEMA can measure; US: 40%.
Hail reports, 2016–2025	12,919	#1 of 51	1,986 of them 2 inches or larger. Largest stone 7.02 inches, Swisher County, June 2024.
Tornadoes, 2016–2025	1,119	#1 of 51	152 rated EF2 or stronger; 9,617 recorded since 1950.
Earthquakes of magnitude 4.0+, 2000–2025	51	#8 of 51	Largest: magnitude 5.4, Coalson Draw, Texas, November 16, 2022.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Look up the storm history of any county in Texas.

Worth knowing in Texas

Texas lets most private employers opt out of workers' compensation entirely, so business owners there decide between workers' comp and going without it as a non-subscriber.

Texas’s insurance regulator

Insurance in Texas is regulated by the Texas Department of Insurance, which handles consumer complaints and licenses insurers and agents.

Sam Alishahi holds a nonresident insurance producer license in Texas (NPN 21022298), so requests from Texas are handled by him directly.

Common questions

What is the minimum car insurance in Texas?

Texas requires at least $30,000 per injured person, $60,000 per accident for injuries, and $25,000 for property damage. Every policy includes PIP unless you reject it in writing, and insurers must offer uninsured/underinsured motorist coverage, which you must also reject in writing if you don't want it.

Is Texas a no-fault state?

Texas is an at-fault (tort) state: the driver who causes a crash, through their liability insurance, pays for the other party's injuries and damage.https://www.tdi.texas.gov/pubs/consumer/cb020.html The Texas Department of Insurance describes Texas as an at-fault state.

Do employers in Texas need workers’ comp?

Most private Texas employers may choose whether to carry workers' compensation; employers that opt out are called non-subscribers and must notify their employees and the Division of Workers' Compensation. Public employers must have coverage, and certain building or construction contractors working for governmental entities must cover each employee on the public project.

What can a Texas homeowner do if no insurer will write the house?

The Texas FAIR Plan Association sells basic home insurance to people turned down by standard insurers, and TWIA sells wind and hail coverage to coastal residents (including parts of Harris County on Galveston Bay), where hurricanes are the main threat. TWIA coverage can't be bought while a hurricane is in the Gulf.

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Tell me what you need insured.

Home, car, business, trucks or something harder to place. One request, and I take it from there.

Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

Insurance in Texas