Understanding Driver-Only Policies in Texas

In the world of auto insurance, there’s a variety of policies to choose from, each designed to meet different needs and circumstances. One such option is the driver-only policy. This type of insurance can be a viable option for some Texans, but it’s crucial to understand the specifics before making a decision. In this blog, we’ll explore what driver-only policies are, how they differ from traditional policies, and what you need to consider if you’re thinking about getting one in Texas.

What is a Driver-Only Policy?

A driver-only policy is a type of auto insurance that provides coverage solely for the individual named on the policy, regardless of the vehicle they are driving. This is different from standard auto insurance policies that typically cover specific vehicles and allow for multiple drivers.

Pros and Cons of Driver-Only Policies


  1. Cost-Effective: These policies can be more affordable since they only cover one driver.
  2. Simplicity: Easier to manage for individuals who drive multiple vehicles or rental cars frequently.


  1. Limited Coverage: Only covers the named driver, which can be a significant drawback if someone else needs to use your vehicle.
  2. Potential Gaps in Coverage: May not provide sufficient coverage in all scenarios, leading to out-of-pocket expenses in case of an accident.

In Texas, like in many other states, it is mandatory to have minimum liability insurance. According to the Texas Department of Insurance, the state requires all drivers to carry the following minimum amounts of liability coverage:

It’s important to note that driver-only policies must meet these minimum requirements. Failure to maintain the necessary coverage can result in penalties, fines, and even the suspension of your driver’s license.

For more detailed information on Texas insurance requirements, visit the Texas Department of Insurance.

Considerations Before Choosing a Driver-Only Policy

  1. Driving Habits: Assess your driving habits. If you’re the sole driver in your household or frequently drive different vehicles, a driver-only policy might be beneficial.
  2. Risk Assessment: Consider the potential risks and whether the cost savings outweigh the possible gaps in coverage.
  3. Consult with an Expert: Always consult with an insurance expert or legal advisor to ensure that the policy meets your needs and complies with Texas laws.


Driver-only policies can be a cost-effective solution for some Texans, but it’s crucial to fully understand their limitations and legal implications. By assessing your driving habits and consulting with professionals, you can make an informed decision that ensures you remain protected on the road.

For further assistance with personal injury cases or legal advice related to auto insurance, feel free to contact us at Ryan Orsatti Law.