Texas Auto Insurance Minimums Explained

Statutory Minimum Liability Limits

Texas law requires every driver to carry liability coverage of at least $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. These three figures—often quoted as 30/60/25—form the baseline protection a Texas‑registered vehicle must have before it can be legally driven.

Uninsured/Underinsured Motorist Coverage

While not mandated, most Texas insurers include uninsured motorist (UM) and underinsured motorist (UIM) coverage because the state's high uninsured‑driver rate makes it a practical supplement. If you choose to add UM/UIM, the same 30/60/25 limits usually apply, but you can select higher amounts for greater protection.

Medical Payments (MedPay) Coverage

Medical payments coverage is optional in Texas. It pays for reasonable medical expenses incurred by you or your passengers, regardless of fault. Typical limits range from $1,000 to $5,000 per person, and adding MedPay can reduce reliance on health‑insurance deductibles after a crash.

Proof of Insurance and Enforcement

Drivers must carry an insurance ID card or electronic proof in the vehicle. Law enforcement can request it during a traffic stop, and failure to produce valid proof results in a citation and possible suspension of registration until proof is supplied.

Comparing Minimum vs. Recommended Coverage