Texas's financial responsibility law requires every driver to carry minimum liability insurance — 30/60/25. The numbers refer to the dollar amounts of coverage in thousands.
The 30/60/25 breakdown
- $30,000 bodily injury liability per person
- $60,000 total bodily injury liability per accident
- $25,000 property damage liability per accident
Why the minimum is rarely enough
The average new vehicle in El Paso sells for over $40,000 — meaning $25,000 in property damage liability won't fully cover a total loss to even one moderately-priced car. Medical costs are even worse: a single overnight hospital stay can exceed $30,000.
When your limits run out, you're personally responsible for the rest. The injured party can sue you for the balance, and a court judgment can attach to your wages and assets for years.
What we recommend
Most El Paso drivers we work with carry at least 100/300/100. Drivers with homes, retirement savings, or other assets to protect typically go higher — often 250/500/100 plus an umbrella policy.
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.