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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…
View full comparison ↓

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
California
$30,000
Official source ↗
Bodily injury / accident same
California
$60,000
Official source ↗
Property damage
California
$15,000
Official source ↗
UM/UIM requirement
California
30/60
Official source ↗
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
California
3 years of continuous SR-22 filing
Official source ↗
Clock starts from
California
Suspension/reinstatement-based
Official source ↗
Texas
Date of most recent conviction (or judgment date for a crash judgment)
Official source ↗
Non-owner SR-22 same

Costs

SR-22 filing fee same
California
~$15-25 (charged by the insurer, not the DMV)
See California sources ↗
Texas
~$15-25 (charged by the insurer, not DPS)
See Texas sources ↗
License reinstatement
California
$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
Official source ↗
Texas
$100 (flat)
Official source ↗
Registration reinstatement
California
$14 (separate fee, for a no-insurance registration suspension)
Official source ↗
Texas
Included in the single $100 fee (Sec. 601.376(c))
Official source ↗

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…
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.
Official source ↗
Texas
$175-$350
Official source ↗
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…
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.
Official source ↗
Texas
$350-$1,000
Official source ↗
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
California
$390-$1,000 (first offense, VC 23536)
Official source ↗
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…
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).
Official source ↗
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…
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.
Official source ↗
Texas
DWLI: additional suspension period, then reinstatement needs an SR-22 (2 yrs) plus the $100 fee. Operating during a registration suspension (Sec.…
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.
Official source ↗

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…
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.
Official source ↗
Texas
A DWI conviction disqualifies a CDL. A Texas occupational license is valid for non-commercial vehicles only.
Official source ↗