Texas Driver's Handbook, Section 3: Safety Responsibility (Insurance)
The minimum liability insurance, what counts as proof of insurance and the penalties for driving without it.
Summary written by MyPermitExam from the official handbook, Revised January 2026. Not a copy of the handbook. Checked Oct 2026. Not affiliated with the DMV. Texas Driver Handbook (DL-7)
Key rules
- Minimum liability coverage (30/60/25): $30,000 per person, $60,000 for two or more people and $25,000 for property damage. p. 18
- You may show proof of insurance on your phone; you must show it to an officer on request and to anyone involved in a crash with you. p. 18
- A first conviction for no insurance is a $175 to $350 fine; later convictions add suspension and 180 days of impoundment. p. 18
- An unpaid crash judgment after 60 days, or an uninsured crash with injuries or damage, leads to suspension. p. 19