If you drive in Texas, you’re required by law to carry auto insurance. But what exactly does the state require, and is it really enough to protect you? Many drivers only focus on meeting the minimums, but understanding what those numbers mean could save you from major financial trouble.
The Texas Minimum Auto Insurance Requirement
Texas law follows the “30/60/25 rule.” This means you must carry at least:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
This is liability-only coverage. It pays for damage and injuries you cause to others, but not for your own vehicle or injuries.
What the Minimum Covers (and What It Doesn’t)
What it covers:
- Injuries you cause to another driver or passenger
- Damage to another person’s vehicle or property
What it doesn’t cover:
- Repairs to your own car
- Your medical bills
- Uninsured/underinsured drivers hitting you
- Rental car or towing costs
Why the Minimum Might Not Be Enough
At first glance, the 30/60/25 limits may sound like a lot. However, in real-world accidents:
If damages are higher than your limits, you’re personally responsible for the difference.
A new pickup truck in Texas can cost $70,000+. Your $25,000 property damage limit may not come close. Medical costs from a serious accident can exceed $60,000 quickly.
Recommended Coverage Beyond the Minimum
Most Texas drivers carry more than the minimum. Common recommendations include:
- 100/300/100 liability limits (much safer coverage levels).
- Collision coverage to repair or replace your own car after an accident.
- Comprehensive coverage for theft, fire, hail, or flood damage.
- Uninsured/Underinsured Motorist (UM/UIM) coverage to protect you if the other driver has no insurance.
- Personal Injury Protection (PIP) or medical payments coverage for your own medical bills.
Cost of Minimum Coverage in Texas
Premiums vary based on:
- Driving record and age
- Type of vehicle
- Location (Houston tends to cost more than rural areas)
- Credit history
While liability-only is cheaper, the savings often don’t justify the risk.
FAQs: Texas Minimum Auto Insurance
Can I legally drive with liability-only insurance?
Yes, as long as it meets the 30/60/25 rule.
Does minimum insurance protect me if someone hits me?
No. You’ll need UM/UIM coverage or collision to protect yourself.
Can police check if I have insurance?
Yes. Texas has an online system (TexasSure) that tracks active insurance policies.
Why Work With an Independent Agency
Meeting state requirements is only the beginning. The right coverage depends on your driving habits, vehicle type, and financial situation.
At TX Insurance Finder, powered by Hi-Lo Insurance, we help Texans compare multiple carriers and find coverage that goes beyond the minimums, so you’re not left exposed after an accident.
Conclusion
Knowing Texas’s minimum requirements is important, but having the right protection is even more critical.
Visit our Auto Insurance in Texas page to compare coverage options and request a quote today with TX Insurance Finder, powered by Hi-Lo Insurance.
