Short answer
Texas requires liability insurance of at least $30,000 per injured person, $60,000 per crash for injuries, and $25,000 for property damage — “30/60/25” (Transportation Code §601.072). That’s the most a minimum policy pays for the harm its driver causes, which can be less than a serious injury costs. Texas policies must also include PIP (at least $2,500) and uninsured/underinsured motorist coverage unless a named insured rejects them in writing.
What 30/60/25 means
- $30,000 — the most the policy pays for injuries to any one person in a crash
- $60,000 — the most it pays for all injuries combined in one crash
- $25,000 — the most it pays for damage to other people’s property, such as cars
These limits have been in effect since January 1, 2011 (§601.072(a-1)). Many drivers carry more, but minimum policies are common.
Why the minimum often isn’t enough
If a driver with a minimum policy injures three people, $60,000 is the total for all three, and no one can get more than $30,000 of it. A hospital stay, surgery, or months of lost work can pass those numbers quickly, and $25,000 may not cover a newer car that’s totaled.
Need your crash report for the claim?
Enter your crash date to see if your Texas crash report should be ready — and get a free email when it is.
100% free • No credit card • We never sell your data without consent
Coverages Texas policies include unless rejected in writing
- PIP — pays your own medical bills and lost income regardless of fault, at least $2,500 per person (Insurance Code §§1952.152, 1952.153). See PIP in Texas.
- Uninsured/underinsured motorist (UM/UIM) — pays when the at-fault driver has no insurance or not enough, in limits at least as high as 30/60/25 (§1952.101). See uninsured and underinsured drivers.
When the at-fault driver’s limits run out
- Your UIM coverage can pay the difference, up to your own limits.
- Your PIP pays your medical bills and lost income regardless of the other policy.
- You can pursue the at-fault driver personally for the rest, though collecting can be difficult.
Check your own policy today
- Find your declarations page (in your insurer’s app or your policy documents).
- Check your liability limits — the three numbers.
- Confirm PIP and UM/UIM are listed, and at what limits.
- Note whether you have collision and rental reimbursement coverage.
Frequently asked questions
What is the minimum car insurance required in Texas?
Liability coverage of at least $30,000 per injured person, $60,000 per crash for injuries, and $25,000 for property damage (Transportation Code §601.072).
What does 30/60/25 mean?
$30,000 maximum for one injured person, $60,000 maximum for all injuries in one crash, and $25,000 maximum for property damage.
Is PIP required in Texas?
Insurers must include PIP — at least $2,500 per person — unless a named insured rejects it in writing (Insurance Code §§1952.152, 1952.153).
What happens if the other driver only has minimum coverage?
Their policy pays up to its limits. Beyond that, your underinsured motorist coverage and PIP can help, and you can pursue the driver personally.
Texas law and sources cited
- Tex. Transp. Code §601.072 — minimum liability insurance (30/60/25)
- Tex. Ins. Code §1952.152 — PIP must be included unless rejected in writing
- Tex. Ins. Code §1952.153 — PIP minimum of $2,500 per person
- Tex. Ins. Code §1952.101 — uninsured/underinsured motorist coverage
General information, not legal advice. DFW Crash Data is not a law firm, and every situation is different — for advice about your own claim, talk to a licensed Texas attorney. Laws change; the sources above were checked on the date shown at the top of this page.