Texas Auto Insurance for Drivers 65 and Older
Texas requires 30/60/25 liability coverage and is an at-fault state.
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Texas at a Glance
30/60/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
79
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Texas also allows drivers to show financial responsibility through methods other than insurance, but traditional liability insurance remains the most practical option for the vast majority of senior drivers.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Comprehensive and Collision
Cost Overview
$183–$195/mo
Typical monthly rate in Texas, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
Check Today's Rates for Senior Drivers
Compare Auto Rates for SeniorsMature-driver discount
Not required by state law
Mature-driver discounts here are set by each insurer.
Source: state statutes and insurance departments, verified July 2026
Coverage Types
Liability Insurance
The foundation of any Texas auto policy, covering injuries and property damage you cause to others. Senior drivers with assets to protect should carry limits well above the 30/60/25 minimum—100/300/100 is a common upgrade.
Uninsured Motorist Coverage
Protects you when an at-fault driver lacks insurance or carries insufficient coverage. This coverage mirrors your liability limits and typically costs $10–$25/month.
Comprehensive Coverage
Covers non-collision damage including hail, theft, vandalism, wildlife strikes, and weather events. Subject to your chosen deductible, typically $250–$1,000.
Collision Coverage
Pays for damage to your vehicle from a crash regardless of fault. Subject to your deductible and capped at your vehicle's actual cash value.
Personal Injury Protection (PIP)
Provides immediate payment for medical expenses, lost wages, and other costs after an accident, regardless of fault. Texas requires minimum PIP offers of $2,500, though higher limits are available.
Medical Payments Coverage
Covers medical expenses for you and your passengers after an accident, regardless of fault. An alternative to PIP that typically costs less but offers narrower coverage.