Texas Minimum Liability Limits
Texas law mandates that every driver carry at least $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. These three figures—often written as 30/60/25—form the state's baseline liability coverage.
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What the Limits Mean for Drivers
The $30,000 limit applies to each individual injured in a crash you cause; the $60,000 cap is the total amount payable for all injuries in that same incident. The $25,000 property damage limit covers repair or replacement of another vehicle or other property you damage.
Optional Coverage That Texans Frequently Add
While not required, many Texas drivers purchase additional protection to avoid out‑of‑pocket costs when liability limits are exceeded. Common add‑ons include:
- Uninsured/underinsured motorist coverage (often 30/60/25 or higher)
- Medical payments (MedPay) for the driver's own injuries
- Comprehensive and collision for vehicle repair after non‑collision events
How Minimum Coverage Affects Premiums
Because the state‑required limits are relatively low, they generally produce lower premiums than higher‑limit policies. However, drivers with a history of accidents or who live in high‑risk areas may see rates rise despite the minimal coverage.
Comparing Texas Minimums to Other States
| State | Liability Limits (Bodily Injury/Property Damage) | Typical Minimum Premium |
|---|---|---|
| Texas | 30/60/25 | Low‑moderate |
| California | 15/30/5 | Low |
| Florida | 10/20/10 | Low‑moderate |
| New York | 25/50/10 | Moderate |
When Minimum Coverage May Not Be Enough
If you own a newer or higher‑value vehicle, or if you regularly drive long distances, the 30/60/25 limits can leave you vulnerable to lawsuits and large out‑of‑pocket expenses. Upgrading to 50/100/50 or higher provides a stronger safety net and can be more cost‑effective in the long run.