Texas minimum liability coverage
Most Texas drivers satisfy the financial-responsibility law by carrying liability insurance. The minimum limits are generally $30,000 for bodily injury to one person, $60,000 total bodily injury per accident, and $25,000 for property damage. These limits are minimums, not a prediction of what a serious crash will cost.
What liability insurance pays
Liability coverage pays covered claims made by other people when you are legally responsible for a crash. Bodily-injury liability can pay medical costs, lost income, and related damages. Property-damage liability can pay to repair or replace another vehicle or damaged property.
Coverage that protects you
Collision
Pays for covered collision damage to your vehicle, minus the deductible.
Comprehensive
Covers qualifying non-collision losses such as theft, hail, fire, flood, or falling objects.
Uninsured/underinsured motorist
Can protect you when an at-fault driver has no insurance or insufficient limits.
Personal injury protection
Can pay qualifying medical expenses, lost income, and related costs regardless of fault.
Proof of insurance
Keep current proof in the vehicle or available electronically. You may need it after a crash, during a traffic stop, when registering a vehicle, or when completing an emissions or commercial inspection. Make sure the VIN, insured names, dates, and vehicle information are accurate.
Lender and lease requirements
A lender or leasing company normally requires physical-damage coverage and may set deductible limits. If required coverage lapses, the creditor may purchase expensive force-placed coverage that protects its interest but provides limited protection to you.
Coverage review checklist
- Choose liability limits based on assets and risk, not only the legal minimum.
- Confirm every household driver and vehicle is handled correctly.
- Review deductibles and emergency savings.
- Ask about uninsured motorist and PIP selections or rejections.
- Check rideshare, delivery, business, trailer, and rental-car use.
- Update the insurer after moving, refinancing, or changing vehicles.
Frequently asked questions
What are the minimum Texas auto liability limits?
Texas minimum liability coverage is commonly described as 30/60/25: up to $30,000 for injury to one person, $60,000 total injury liability per accident, and $25,000 for property damage.
Does minimum liability insurance cover my own car?
No. Liability coverage pays for covered injuries and property damage you cause to others. Collision and comprehensive coverage protect your own vehicle, subject to policy terms and deductibles.
Do lenders require more than liability coverage?
Usually. A lender or lessor generally requires collision and comprehensive coverage while it has a financial interest in the vehicle.
How do I prove insurance in Texas?
Drivers may use an insurer-issued proof-of-insurance card or an accepted electronic version. Insurance status may also be checked through the TexasSure verification system.
Insurance policy language, prices, underwriting, discounts, and legal requirements can change. Confirm coverage with a licensed insurer or agent and current Texas Department of Insurance guidance.