The minimum liability limits
Texas requires liability coverage of at least 30/60/25:
- $30,000 for injuries to any one person
- $60,000 for all injuries in one accident
- $25,000 for the other party’s property
That is the least you may legally carry. It is not a recommendation and it was not set with the cost of a modern hospital stay or a late-model truck in mind.
What carriers must offer you
- Personal injury protection (PIP). Must be offered on every policy. Your rejection must be in writing.
- Uninsured and underinsured motorist. Must be offered. Your rejection must be in writing.
If you do not remember rejecting either, check your declarations page — they are two of the most commonly dropped lines on a policy shopped purely on price.
How proof of insurance works
Texas verifies coverage electronically through TexasSure, which checks registration records against carrier data. A policy that lapses shows up without anybody pulling you over.
You still need proof in the car. A printed card or the carrier’s app both count.
Driving without it
- A fine for a first offence, larger for a second, plus court costs and a state surcharge
- The vehicle can be impounded
- Your license and registration can be suspended
- An SR-22 filing is frequently required afterwards
And the part that is not a penalty: an accident while uninsured is paid out of your own pocket, without a limit.
What the minimum leaves you exposed to
$25,000 of property damage is one late-model vehicle, and not a large one. $30,000 per person is a short hospital stay.
Past the limit, the rest is personal — savings, wages, and in some circumstances property. The step up from the minimum is usually far smaller on the premium than people expect, and it is the single best value on a car policy.
- Texas minimum liability is 30/60/25.
- PIP and uninsured motorist must be offered; refusal must be in writing.
- Coverage is verified electronically through TexasSure.
- $25,000 of property damage is one modern vehicle.