Comprehensive insurance policy limit data for Texas. Research coverage requirements, minimum limits, claim statistics, and carrier-specific data used in insurance policy investigations.
Minimum Liability
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UM/UIM
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PIP Coverage
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Fault System
Tort (At-Fault)
Minimum BI Limits
$30,000/$60,000
30/60/25 minimum coverage required
Traffic Fatalities
4,481
Annual traffic deaths (2023)
Average Annual Premium
$1,842
Average auto insurance cost in TX
Uninsured Motorist Rate
13.7%
Drivers without insurance in TX
Don't Settle Blind
Many Texas defendants carry coverage well above state minimums. Without confirmed policy limit intelligence, plaintiff attorneys risk under-settling cases by millions of dollars.
Multiple Coverage Layers
Primary auto liability, umbrella policies, excess layers, UM/UIM coverage, and employer-provided policies may all be available. Apex Research identifies every source.
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