Texas Minimum Auto Insurance Requirements
$30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage liability.
Source: Texas Department of Insurance Auto Insurance Guide. Always confirm final requirements with the state or a licensed insurance professional before binding coverage.
What Makes Texas Quotes Different
Texas minimum coverage is commonly called 30/60/25. The Texas Department of Insurance warns that minimum limits may be too low after a multi-vehicle accident or a total loss involving another driver's car.
Houston, Dallas, Austin, San Antonio, and fast-growing suburbs can price differently because traffic density, weather exposure, vehicle mix, and repair costs vary by region.
Major markets to compare carefully
- Houston
- Dallas
- Austin
- San Antonio
- Fort Worth
How to Compare Car Insurance Quotes in Texas
Request several quotes with the same limits and deductibles, then compare claim service reputation and renewal expectations before choosing only by first-month premium.
- Use the same liability limits on every quote.
- Match comprehensive and collision deductibles before comparing price.
- Check whether roadside, rental reimbursement, and glass coverage are included or optional.
- Review claim service, renewal process, and cancellation rules before buying.
Coverage Decisions Worth Reviewing
- Consider higher property damage limits if you drive in dense metro traffic.
- Comprehensive coverage can matter for hail, theft, and weather-related losses.
- SR-22 needs and prior tickets can change which carriers are competitive.
Texas Car Insurance FAQ
What is the minimum car insurance required in Texas?
Texas requires at least 30/60/25 liability coverage: $30,000 for injuries per person, $60,000 per accident, and $25,000 for property damage.
Should Texas drivers buy more than minimum liability?
Many drivers should consider higher limits because the minimum can be too low after a serious crash, a multi-vehicle accident, or damage to an expensive vehicle.