July 22, 2026

Texas Minimum Auto Insurance Requirements

By Tanu Menon

Texas state-minimum liability limits explained — what 30/60/25 means and why many drivers need more coverage.

What Texas requires

Texas is an at-fault state. Drivers must carry liability insurance that meets state financial responsibility minimums (or qualify under another allowed form of proof).

Current Texas minimum liability limits are commonly shown as 30/60/25:

$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$25,000 property damage liability per accident

Personal Injury Protection (PIP) is often included by default on Texas policies, but you can usually reject it in writing.

Why minimum coverage may not be enough

Medical bills and vehicle repairs can exceed low limits quickly. If damages go above your policy limits, you may be personally responsible for the rest.

Coverages worth reviewing

Higher liability limits
Collision and comprehensive
Uninsured/underinsured motorist
Roadside and rental reimbursement

Next step

Tan's Agency compares carriers for Texas drivers. Call 469-269-6539 or request a quote. Requirements can change — confirm details with the Texas Department of Insurance when needed.

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Texas Minimum Auto Insurance Requirements

Texas state-minimum liability limits explained — what 30/60/25 means and why many drivers need more coverage.

Read more: https://thetansagency.com/blog/texas-minimum-auto-insurance-requirements
Questions? Call 469-269-6539

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Texas Minimum Auto Insurance Requirements

Texas state-minimum liability limits explained — what 30/60/25 means and why many drivers need more coverage.

Full article: https://thetansagency.com/blog/texas-minimum-auto-insurance-requirements

Need a free quote? Call 469-269-6539 or visit https://thetansagency.com/contact

Texas Minimum Auto Insurance Requirements

Texas state-minimum liability limits explained — what 30/60/25 means and why many drivers need more coverage.

Article: https://thetansagency.com/blog/texas-minimum-auto-insurance-requirements

Tan's Agency helps families & businesses in Texas, Michigan, Ohio, Virginia. Free quote: https://thetansagency.com/contact