What Are Texas's Minimum Auto Insurance Requirements?

Overview

Texas requires drivers to carry at least 30/60/25 liability coverage: $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums haven't increased since 2008, which means they often fall short of covering serious injuries from a real-world crash. Understanding these numbers helps you know what to expect, and where the gaps might be, when dealing with an at-fault driver's insurance company.

Frequently Asked Questions

What are Texas's minimum auto insurance requirements?

Texas law requires drivers to carry at least $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 in property damage coverage, commonly written as 30/60/25. This is the minimum needed to legally drive in Texas.

Is the Texas minimum enough to cover a serious injury?

Often not. Hospital stays, surgery, and ongoing treatment can easily exceed $30,000, meaning a driver with only minimum coverage may not have enough insurance to fully cover a serious injury claim.

What if my damages are more than the at-fault driver's policy limit?

If your losses exceed their coverage, your own underinsured motorist coverage, if you carry it, may be able to help cover the difference. It's worth having your own policy reviewed alongside the other driver's.

Does Texas require uninsured or underinsured motorist coverage?

No, but insurers must offer it on every policy at limits equal to your liability coverage, and you have to reject it in writing if you don't want it, so many Texas drivers already carry it without realizing it.

How can I find out how much insurance the other driver has?

This usually comes out during the claims process, often through the police report or directly from the insurance company, and an attorney can help track this down early in your case.

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This page is for general informational purposes only and does not constitute legal advice. Laws vary by state and every case is different. Contact us to discuss the specific facts of your situation.

What Are Texas's Minimum Auto Insurance Requirements?

Overview

Frequently Asked Questions

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