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California vs Texas
Bottom line
Texas requires more property-damage coverage than California ($25,000 vs $15,000). Both require an SR-22 for certain violations, though California files for 3 years versus Texas's 2. California generally has lower license-reinstatement costs.
✓ Official government sources
✓ Last verified June 2026
✓ 36 fields reviewed
✓ Source links on every value
Important differences between California and Texas
The differences drivers should know.
Property damage
California$15,000
Texas$25,000
→ Texas requires more property-damage coverage.
UM/UIM requirement
California30/60
TexasOptional — not part of the required minimum (insurers must offer; driver may reject in writing).
Filing duration
California3 years of continuous SR-22 filing
Texas2 years
→ California requires a longer SR-22 filing (3 vs 2 years).
Clock starts from
CaliforniaSuspension/reinstatement-based
TexasDate of most recent conviction (or judgment date for a crash judgment)
License reinstatement
California$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
Texas$100 (flat)
→ California costs less to reinstate.
Registration reinstatement
California$14 (separate fee, for a no-insurance registration suspension)
TexasIncluded in the single $100 fee (Sec. 601.376(c))
→ California costs less to reinstate.
No-insurance, first offense
California$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh.…
Texas$175-$350
No-insurance, repeat offense
California$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction…
Texas$350-$1,000
DUI suspension
CaliforniaAPS suspension: 4 months (1st); 1 year (2nd within 10 yrs). Refusal: 1 yr / 2 yr revoke / 3 yr revoke.…
TexasAdult: up to 2 years. Minor (<21): 1 year (18 months for subsequent); 90-day possible with interlock…
DUI fine range
California$390-$1,000 (first offense, VC 23536)
TexasTexas 'DWI' (Penal Code Ch. 49), by prior convictions. Ch. 49 sets the offense class and minimum jail;…
Driving while suspended
CaliforniaMisdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000.…
TexasDWLI: additional suspension period, then reinstatement needs an SR-22 (2 yrs) plus the $100 fee.…
CDL consequence
CaliforniaMust downgrade to a Class C license to obtain a restricted license. If not operating a commercial…
TexasA DWI conviction disqualifies a CDL. A Texas occupational license is valid for non-commercial vehicles…
Recent law changes
Changes verified from official state sources.
California2025-01-01 — minimums raised to 30/60/15 (SB 1107).
Texas2019-09-01 — Driver Responsibility Program (surcharges) repealed (HB 2048).
Full comparison
Every compared field, with the official source on each value.
Coverage
Bodily injury / person same
Bodily injury / accident same
Property damage
UM/UIM requirement
Texas
Optional — not part of the required minimum (insurers must offer; driver may reject in writing).
See Texas sources ↗SR-22 / FR-44
SR-22 required same
FR-44 required same
Filing duration
Clock starts from
Non-owner SR-22 same
Costs
SR-22 filing fee same
License reinstatement
California
$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
Official source ↗Registration reinstatement
Penalties
No-insurance, first offense
California
$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh. Code 16029(a), for failing to provide evidence…
Official source ↗Full details
$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh. Code 16029(a), for failing to provide evidence of financial responsibility (16028(a)). The court may impound the vehicle and order coverage maintained for at least one year.
No-insurance, repeat offense
California
$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction under CA Veh. Code 16029(b). Same…
Official source ↗Full details
$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction under CA Veh. Code 16029(b). Same penalty-assessment multiplier as the first-offense fine; the court may also impound the vehicle.
DUI suspension
California
APS suspension: 4 months (1st); 1 year (2nd within 10 yrs). Refusal: 1 yr / 2 yr revoke / 3 yr revoke. 30-day temp license after arrest.
Official source ↗Texas
Adult: up to 2 years. Minor (<21): 1 year (18 months for subsequent); 90-day possible with interlock community supervision.
Official source ↗DUI fine range
Texas
Texas 'DWI' (Penal Code Ch. 49), by prior convictions. Ch. 49 sets the offense class and minimum jail; dollar maxima come from the Penal Code Ch. 12…
Official source ↗Full details
Texas 'DWI' (Penal Code Ch. 49), by prior convictions. Ch. 49 sets the offense class and minimum jail; dollar maxima come from the Penal Code Ch. 12 class ranges. 1st DWI (49.04) = Class B misdemeanor, min 72 hours jail (6 days if open container), up to $2,000 — elevated to Class A (up to $4,000) if BAC 0.15+ (49.04(d)). 2nd DWI (49.09(a)) = Class A misdemeanor, min 30 days, up to $4,000. 3rd+ DWI (49.09(b)) = 3rd-degree felony, 2-10 years, up to $10,000. DWI with child passenger <15 (49.045) = state jail felony, up to $10,000. IID required for a 2nd+ within 5 years (49.09(h)); entitlement to use the substance is no defense (49.10).
Driving while suspended
California
Misdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000. Reckless/negligent suspension (VC 14601): 5 days-6 months…
Official source ↗Full details
Misdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000. Reckless/negligent suspension (VC 14601): 5 days-6 months + $300-$1,000. DUI-related: VC 14601.2.
Texas
DWLI: additional suspension period, then reinstatement needs an SR-22 (2 yrs) plus the $100 fee. Operating during a registration suspension (Sec.…
Official source ↗Full details
DWLI: additional suspension period, then reinstatement needs an SR-22 (2 yrs) plus the $100 fee. Operating during a registration suspension (Sec. 601.371): $100-$500 fine and 72 hours-6 months jail; a repeat is a Class A misdemeanor. Operating without required FR (Sec. 601.195): up to $500 and/or up to 6 months jail.
CDL
CDL consequence
California
Must downgrade to a Class C license to obtain a restricted license. If not operating a commercial vehicle at the time of the offense, a $125 reissue…
Official source ↗Full details
Must downgrade to a Class C license to obtain a restricted license. If not operating a commercial vehicle at the time of the offense, a $125 reissue fee applies after a 30-day suspension. A DUI in a commercial vehicle triggers a 1-year CDL disqualification under federal rules.
Texas
A DWI conviction disqualifies a CDL. A Texas occupational license is valid for non-commercial vehicles only.
Official source ↗