Texas Minimum Auto Liability Insurance Requirements (2024)

Texas law mandates that every driver carry a minimum level of liability coverage. Known as “30/60/25,” these limits have been in place since 2011.

Required Limits

What This Covers

• Bodily Injury: Medical expenses, lost wages, and pain-and-suffering for others injured in an accident you cause.
• Property Damage: Repair or replacement of the other party’s vehicle and other damaged property (fences, structures, etc.).

Why Higher Limits Are Wise

A serious collision can easily exceed $25,000 in vehicle damage alone, and medical costs can surpass $30,000 per person. If you’re at fault and damages exceed your policy, you’re personally liable for the difference. Most agents recommend 100/300/100 or higher.

Proof of Insurance

Carry a physical or digital insurance card. Texas uses the TexasSure database; law enforcement can verify coverage electronically during stops.

Penalties for Non-Compliance

• First offense: $175–$350 fine
• Subsequent offenses: up to $1,000, license suspension, vehicle impoundment
• SR-22 filing required for repeat violators