Texas Department of Insurance

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TexasSure - Consumer Information Page

What is Financial Responsibility, and What Does Texas Law Require?

The Texas Motor Vehicle Safety Responsibility Act, in Transportation Code §601.051, states that a person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle. Transportation Code §601.002(3) defines financial responsibility as the ability to respond to damages for liability for an accident that arises out of the ownership, maintenance, or use of a motor vehicle. Most people do this by buying automobile liability insurance as allowed by Transportation Code §601.051(1). Texas law, under Transportation Code §601.072, currently requires minimum coverage of $30,000 per injured person, up to a total of $60,000 for everyone injured in an accident, and $25,000 for property damage. This basic coverage is called 30/60/25 coverage.

What is TexasSure?

TexasSure, the "financial responsibility verification program" was created by the 79th Texas Legislature, Regular Session, in Senate Bill 1670, which added Subchapter N, Chapter 601 Transportation Code. Section 601.452 of the Transportation Code, as added by SB 1670, provides that the Texas Department of Insurance (TDI), in consultation with the Texas Department of Public Safety (DPS), the Texas Department of Motor Vehicles (TxDMV) and the Texas Department of Information Resources (DIR) "shall establish a program for verification of whether owners of motor vehicles have established financial responsibility."

Pursuant to SB 1670, the established program is designed to reduce the number of uninsured motorists in this State; operate reliably; be cost-effective; sufficiently protect the privacy of the motor vehicle owners; sufficiently safeguard the security and integrity of information provided by insurance companies; identify and employ a method of compliance that improves public convenience; provide information that is accurate and current; and be capable of being audited by an independent auditor.

TexasSure users include the DPS, sheriffs, local police, and vehicle registration offices. These users obtain accurate and timely insurance information on a given vehicle promptly upon request. For example, law enforcement officers can electronically confirm whether or not a registered vehicle has insurance coverage in effect.

Unmatched Notices

Effective July 31, 2015, TexasSure stopped mailing Unmatched Notices.  If you received an Unmatched Notice prior to July 31, 2015, and have not yet responded, please contact the TexasSure customer call center for assistance.  The contact information for the customer call center is on the Unmatched Notice.

Click here for a sample of the Unmatched Notice.

Uninsured Notices

There are approximately 4 million registered passenger vehicles that are potentially uninsured.  On June 14, 2010, TexasSure began sending Uninsured Notices to the registered owners of these vehicles.  The notice provides registered owners with the Texas vehicle registration information on file and specific guidance to help correct the situation.  For assistance, registered owners receiving a notice should contact the customer call center toll-free number located on the Uninsured Notice.

Click here for a sample of the Uninsured Notice, Effective June 2010 – October 2015.

Click here for a sample of the Uninsured Notice, Effective November 2015.

To learn more about TexasSure, please visit www.TexasSure.com

For more information contact:

Last updated: 06/18/2018

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