Texas law requires every driver to carry minimum liability insurance of 30/60/25: $30,000 per injured person, $60,000 per accident, and $25,000 for property damage.
This is the legal minimum to drive on Texas roads. It does not cover your own vehicle, your own injuries, or damage from theft, weather, or uninsured drivers.
What the 30/60/25 limits actually pay
- $30,000 maximum toward any one person's medical bills you cause
- $60,000 maximum total per accident for all injuries you cause
- $25,000 maximum toward property damage you cause (a single new pickup easily exceeds this)
Frequently asked questions
What is the legal minimum auto insurance in Texas?
30/60/25 liability coverage.
Is liability-only enough in Texas?
It satisfies the law but rarely protects your assets after a serious crash.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.