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Updated
30/60/25 refers to $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability coverage per accident.[1]
Texas law requires all drivers to have at least 30/60/25 liability limits to legally operate a vehicle.
These minimum limits can run out quickly after a serious accident, potentially leaving you personally responsible for costs that exceed your policy limits.
When you see 30/60/25 in reference to Texas car insurance, those three numbers represent the minimum liability coverage that state law requires. Each number refers to a different part of your policy.
Coverage Type | Limit Per Person | Limit Per Accident |
|---|---|---|
| Bodily injury liability | $30,000 | $60,000 |
| Property damage liability | Not applicable | $25,000 |
For example, if you cause a car accident, your insurance company pays up to $25,000 for damage to the other driver’s vehicle or other property, such as a fence or storefront. It also pays up to $30,000 per injured person for medical expenses, with a maximum payout of $60,000 per accident, regardless of how many people are injured.
Keep in mind, these are minimum-coverage limits. You can purchase higher limits, and, in most cases, doing so is a smart financial move. The state-required minimums might not be enough if you cause a serious accident that totals the other person’s car or involves multiple vehicles.
Remember, liability coverage pays for the other party’s injuries and property damage. It doesn’t cover your own medical costs or car repairs.
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Texas requires all drivers to carry at least 30/60/25 limits. Texas is an at-fault state, meaning the driver who causes the crash is financially responsible for the resulting damages. That’s why it’s important to buy adequate liability coverage.
Texas law also requires insurance companies to offer uninsured/underinsured motorist coverage (UM/UIM) with every auto policy. But you can decline this coverage in writing.
You must have proof of financial responsibility in your vehicle — either a printed insurance card or an electronic version on your phone.
Insurance companies submit policy information for all their customers to TexasSure.[2] It’s a state-funded electronic database created to reduce the number of uninsured vehicles on Texas roads. The system notifies the Texas Department of Public Safety when an insurer cancels or when coverage lapses.
Law enforcement can verify your coverage through TexasSure during a traffic stop. But the system isn’t always up to date. For example, if you recently switched insurance companies, your new policy might not appear immediately. That’s why it’s important to have proof of insurance in your vehicle.
If a police officer catches you driving without insurance, the first offense is a misdemeanor, with fines ranging between $175 and $350.[3] Fines increase for second and subsequent offenses. The state can even suspend your driver’s license and registration. Some Texas cities can also impound your vehicle.[4]
Texas’s 30/60/25 liability insurance covers bodily injury and property damage you cause to others in an at-fault accident. It doesn’t cover your own injuries or vehicle damage. Here’s a closer look at the expenses each type of liability coverage can help pay.[5]
Coverage Type | What It Pays For |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
Liability insurance doesn’t cover your own car. If you cause an accident and have liability-only coverage, your policy pays for the other party’s expenses (up to policy limits). It doesn’t cover:
Damage to your vehicle
Your medical bills or lost wages
Damages that exceed your policy’s coverage limits
Theft, weather damage, or hitting an animal
You need to buy additional coverage for your own vehicle and injuries. Comprehensive coverage and collision coverage pays for damage to your vehicle. Medical payments coverage or personal injury protection (PIP coverage) pays your and your passengers’ medical bills.
UM/UIM coverage protects you if the at-fault driver doesn’t have insurance, their policy doesn’t have high enough limits to cover your damages, or you’re involved in a hit-and-run.
Agent Tip: Why you should opt for more coverage
“Many drivers don’t realize how quickly minimum liability limits can run out. A serious crash involving multiple injuries or a newer car can easily result in damages that go well above Texas’ 30/60/25 liability limits. If that happens, you could be personally responsible for the remaining medical, vehicle repair costs, and other covered damages.”
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Texas drivers pay an average of $110 per month for state-minimum liability coverage, according to Insurify data. That’s about 12% higher than the national average of $98 per month.
The table below shows average monthly quotes for Texas minimum coverage across different driver profiles.
Driver Profile | Average Minimum-Coverage Cost in Texas |
|---|---|
| With a clean driving record | $158 |
| With a speeding ticket | $198 |
| With an at-fault accident | $210 |
| With poor credit | $198 |
| Young/teen driver | $308 |
| Senior driver | $134 |
Your actual quote will vary based on factors like your driving history, age, and credit history. Your driving record is particularly important. Things like tickets, accidents, and driving while intoxicated (DWI) push your rates higher.
Where you live in Texas matters, too. Drivers in densely populated areas like Houston and Dallas typically pay more for car insurance than drivers in rural parts of the state.[6] They’re more likely to have their car stolen, file a vandalism claim, or get in an accident on congested city streets. So moving from a small town to a major metro area could change your rate.
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Rates for Texas minimum coverage can vary widely from one insurance company to the next — even for drivers with seemingly identical profiles. Shopping around and comparing quotes is a good way to find the right coverage at the best price.
The table below shows the insurance companies offering the lowest average rates for 30/60/25 coverage in Texas.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $44 |
| Allstate | $61 |
| Mile Auto | $64 |
| Progressive | $64 |
| GEICO | $69 |
| USAA | $78 |
| First Acceptance | $87 |
| Mercury | $87 |
| The General | $90 |
| Alinsco | $91 |
| Lone Star | $94 |
| GAINSCO | $95 |
| Commonwealth Casualty | $96 |
| Bristol West | $100 |
| Clearcover | $100 |
| Covercube | $100 |
| Root | $101 |
| Dairyland | $103 |
| AssuranceAmerica | $105 |
| Mendota | $106 |
| Excepsure | $110 |
| Sun Coast | $110 |
| Direct Auto | $113 |
| Safeco | $114 |
| National General | $117 |
| Loop | $118 |
| Elephant | $119 |
| Chubb | $132 |
| Trexis One | $137 |
| Insurify Car | $150 |
| 21st Century | $152 |
| Hugo | $161 |
| Liberty Mutual | $185 |
Texas’ 30/60/25 limits are the legal minimum, not a recommendation. In a serious accident, those limits can run out quickly.
For example, say you cause a collision that injures two people and totals their vehicle. If each person has $40,000 in medical bills, your $30,000 per-person limit falls short by $10,000 per person. Because Texas is an at-fault state, the injured parties could sue you personally for the remaining balance.
You’d have the same problem with your property damage liability limits. At $25,000, it might not come close to covering the other vehicle’s value. For context, the average new car costs $49,220 as of May 2026, according to Kelley Blue Book. Full-size pickups, which are popular in Texas, average $66,288.
Insurance professionals often recommend limits of 50/100/50 or 100/300/100 to better protect drivers. Higher limits increase your premium, but the difference is usually small compared to the cost of paying for claims out of pocket.
The table below compares average monthly costs in Texas at different coverage levels.
Coverage Level | Bodily Injury | Property Damage | Average Monthly Cost in Texas |
|---|---|---|---|
| State minimum | 30/60 | $25,000 | $110 |
| Mid-range | 50/100 | $50,000 | $205 |
| Recommended | 100/300 | $100,000 | $221 |
Agent Tip: When should you increase your liability limits?
“Carrying the state’s minimum-coverage limits makes sense if you’re trying to keep insurance costs as low as possible. But if you have assets to protect or regularly drive in busy metro areas like Houston or Dallas, you should increase your liability limits. The extra coverage can make a big difference if you’re responsible for a serious accident.”
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Here are answers to some commonly asked questions about 30/60/25 coverage in the Lone Star State.
In Texas, 30/60/25 refers to the state’s minimum liability coverage requirements. Texas law requires $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident.
No. Texas requires drivers to carry at least 30/60/25 liability limits, so a 25/50/25 policy doesn’t meet the state’s minimum insurance requirements. If you’re shopping for coverage in Texas, make sure the insurance policy you choose complies with state law. Consider full-coverage car insurance and higher liability limits for additional financial protection.
Texas requires all drivers to have at least $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 in property damage liability. Driving without insurance is a misdemeanor under Texas law. You could face fines, suspension of your license and registration, and even vehicle impoundment if you get caught driving without proper insurance.
Your driving record, age, credit history, the type of coverage you buy, your deductible, and the type of car you drive all affect the cost of auto insurance. Your ZIP code plays a big part, too. If you live in a big metro area like Houston or Dallas, you may pay more for car insurance than drivers in rural parts of the state. That’s because big cities have higher traffic density and accident rates.
Texas drivers pay an average of $110 per month for state-minimum liability insurance coverage. That’s roughly 12% more than the national average of $98 per month. But your actual rates will depend on your driver profile.
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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