Texas Car Insurance Requirements
Every driver in Texas must carry minimum liability insurance known as 30/60/25, under Texas Transportation Code §601.072. Here's exactly what that means — and where it leaves you exposed.
What minimum liability covers
Liability coverage pays for injuries and property damage you cause to other people. If you're at fault in an accident, it covers the other driver's medical bills, lost wages, and repairs to their vehicle or property — up to your policy limits.
What it does NOT cover
This is where many Texas drivers get caught off guard. Minimum liability pays nothing toward:
- Your own injuries or medical bills
- Repairs or replacement of your own vehicle
- Theft, vandalism, fire, hail, or flood damage
- Single-vehicle accidents
- Hit-and-run damage to your car
For protection of your own vehicle you need collision and comprehensive coverage — together commonly called full coverage. Lenders and leasing companies almost always require it.
Penalties for driving uninsured
Driving without insurance in Texas is a Class C misdemeanor:
- First offense: roughly $175–$350 in fines.
- Second offense: fines up to $1,000, possible license and registration suspension, and vehicle impoundment.
- An SR-22 filing is typically required to reinstate, usually for two years.
Is the minimum enough?
Legally, yes. Financially, often not. The 30/60/25 limits haven't increased since 2011, while medical and repair costs have climbed. A serious injury can exceed $30,000, and replacing a newer vehicle can exceed $25,000 — leaving you personally liable for the difference. Many agents recommend stepping up to 50/100/50 or 100/300/100.