States
Texas minimum car insurance: 30/60/25
At least $30,000 per person, $60,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Texas minimum: 30/60/25 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$70,000
- Total damages: $155,000
- Injury paid by the policy: $60,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Texas sets 30/60/25, and its Department of Insurance says so plainly in its consumer guide. The guide explains who pays what: liability covers other people's injuries and property when you are at fault, while personal injury protection pays your and your passengers' medical bills along with lost wages and other nonmedical costs. If you still owe money on the car, the guide says your lender will require collision and comprehensive. It also names a last resort: the Texas Automobile Insurance Plan Association sells liability, personal injury protection and uninsured or underinsured cover to a driver turned down by two companies, at a higher price and with no limits above what state law requires. We read no penalty figure on that guide. Because 30/60 sits above the common 25/50, a policy from most other states falls short on the injury lines after a move here.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Texas
No other state we read uses this exact combination, which makes copying a policy from a neighbor unreliable: check all three numbers, not just the first.
$30,000 is the most the policy pays for one injured person. $60,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $30,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $60,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Texas.
What else we read for Texas
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Not verified | None read |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.