Minimum car insurance in Texas.
What Texas requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Texas, the minimum liability limits are written 30/60/25 (in thousands): $30,000 for injury to one person, $60,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Texas is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. PIP and UM/UIM are included unless rejected in writing.
What the minimum means in practice
Say a crash you cause injures three people. The Texas minimum pays at most $30,000 to any one of them and $60,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Texas
Two or more convictions for no liability insurance lead to an indefinite license suspension until the driver files and maintains an SR-22 for two years from the conviction date, with a $100 reinstatement fee. The conviction stays on the driver record indefinitely.
SR-22 and similar filings
Texas requires an SR-22 after a crash suspension, a second or later no-insurance conviction, a civil judgment, or a security deposit for a crash suspension, to be maintained for two years.
Also worth knowing in Texas
If the driver had insurance on the vehicle at the time of a second or later no-insurance offense, submitting proof waives the SR-22 requirement.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Texas a no-fault state?
Texas is generally an at-fault state.