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Texas Minimum Auto Insurance Requirements

Texas requires drivers to carry at least 30/60/25 liability coverage: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. These are legal minimums and often fall short of a serious injury's true cost, which is why underinsured motorist coverage matters.

Last reviewed: June 5, 2026

Texas sets a financial-responsibility floor every driver must meet. Meeting it is legal compliance, not adequate protection.

The 30/60/25 minimum

Tex. Transp. Code 601.072 requires every driver to carry at least:

  • $30,000 for bodily injury to one person;
  • $60,000 for bodily injury per accident; and
  • $25,000 for property damage.

Why the minimum often is not enough

A serious crash — surgery, extended care, lost income — can exceed $30,000 quickly. When the at-fault driver carries only the state minimum, your recovery depends on your own UM/UIM coverage and on identifying every responsible party.

Checking each layer of available coverage is among the first steps a Texas injury lawyer takes after a serious wreck.

Frequently Asked Questions

What is the minimum car insurance in Texas?
Under Tex. Transp. Code 601.072, the minimum is 30/60/25 — $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage.
What if the at-fault driver only carried the minimum?
Minimum limits frequently fall short of a serious injury's cost. When they do, your own underinsured motorist (UIM) coverage can pay the difference, and a lawyer can look for additional responsible parties.

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