What's the minimum auto insurance required in Texas?
Texas requires liability insurance of at least 30/60/25 — $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 in property damage coverage, per accident.
What those numbers mean
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$30,000 — maximum your insurance pays for one person's injuries in an accident you cause
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$60,000 — maximum total for all injuries in that same accident, shared among everyone hurt
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$25,000 — maximum for damage to someone else's vehicle or property
What minimum coverage doesn't cover
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Your own medical bills
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Damage to your own vehicle
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Theft, vandalism, or weather damage
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Single-vehicle accidents or hit-and-run damage to your car
What happens if you drive without insurance
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First offense: fine of $175–$350 (Tex. Transp. Code §601.191(b))
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Repeat offense: fine of $350–$1,000, plus possible license/registration suspension and vehicle impoundment
How to get covered
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Get a quote — vehicle and license details
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Choose liability-only or add coverage beyond the state minimum, depending on your needs
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Buy the policy — coverage starts as soon as it's bound
RELATED QUESTIONS
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