Texas Minimum Car Insurance Requirements (30/60/25)
A-MAX Editorial Team
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Short answer
Texas minimum car insurance is 30/60/25 liability: $30,000 for injuries per person, $60,000 per accident and $25,000 for property damage. It pays for damage you cause to others, not your own car. PIP is included unless you reject it in writing.
Texas law requires every driver to carry minimum liability car insurance of 30/60/25. That is the least coverage you can legally drive with. It protects other people when an accident is your fault. It does not pay to fix your own car.
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What is the minimum car insurance in Texas?
Texas requires liability coverage with these minimum limits, often written as 30/60/25:
| Coverage | Texas minimum | What it pays for |
|---|---|---|
| Bodily injury liability, per person | $30,000 | Medical bills and losses for one person you injure |
| Bodily injury liability, per accident | $60,000 | The most paid for everyone you injure in one accident |
| Property damage liability | $25,000 | Damage you cause to another car or property |
Source: Texas Department of Insurance, Auto insurance guide.
Do I need PIP or uninsured motorist coverage in Texas?
Every Texas auto policy includes personal injury protection (PIP). It pays medical bills and some lost wages for you and your passengers, no matter who caused the accident. If you do not want it, you must reject it in writing.
Your agent will also offer uninsured and underinsured motorist coverage. It helps if you are hit by a driver with no insurance or not enough insurance. It is your choice, so ask what it would add to your price before you decide.
What does minimum liability insurance not cover?
A 30/60/25 policy only pays other people. It does not pay for:
- Repairs to your own car after an accident you cause
- Theft, hail, flooding or vandalism to your car
- Costs above your limits. If damages go past $30,000, $60,000 or $25,000, you may have to pay the rest yourself
- Towing or a rental car, unless you add those coverages
To protect your own car, look at full coverage vs. liability only. If your car is financed or leased, your lender usually requires collision and comprehensive.
What happens if you drive without insurance in Texas?
Texas checks insurance through its statewide verification system, so an officer can see whether your car is insured. Driving without at least minimum coverage can lead to:
- Fines that go up with each offense
- Your driver license being suspended
- Your car being impounded
- Being required to file an SR-22 to get your license back
Read more about the risks of driving without insurance. If you already have a gap in insurance, here is how to get covered again.
Is minimum coverage enough?
Minimum coverage keeps you legal and usually costs the least. It can be a good fit if you drive an older car you could replace, or you need to get covered today on a tight budget.
Higher limits are worth a look if you have savings or a home to protect, drive a newer car, or carry passengers often. A serious accident can cost far more than $30,000. An A-MAX agent can show you prices for both side by side, so you can decide.
How to get Texas minimum car insurance with A-MAX
A-MAX works with drivers other companies turn away. We shop for you and show you more price options, so you choose what fits. You can get a quote in about 2 minutes and get a policy the same day, often within the hour.
- Start online: get a quote
- Visit one of our 200+ Texas offices: find an office
- Need an SR-22? See Texas SR-22 insurance
- See Texas auto insurance for all your coverage options
Written by the A-MAX Editorial Team. This article is general information, not legal advice. Coverage and prices depend on the company and your situation.
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About this page
Written by the A-MAX Editorial Team. This page has not yet been reviewed by a licensed A-MAX agent. We review and update it as state rules and carrier availability change.
Last updated November 3, 2026
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FREQUENTLY ASKED QUESTIONS
Texas requires 30/60/25 liability coverage: $30,000 for injuries per person, $60,000 for injuries per accident and $25,000 for property damage.
No. Minimum liability only pays for injuries and damage you cause to other people. To cover your own car you need collision and comprehensive coverage.
PIP is included in every Texas auto policy. You can turn it down, but only in writing.
You can be fined, and repeat offenses can lead to a suspended license, an impounded car and an SR-22 requirement.
Yes. A-MAX specializes in high-risk drivers, including tickets, accidents, SR-22s and a gap in insurance. We shop for you so you can choose.
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