Car-insurance requirements in Texas (2026)
Texas requires 30/60/25 in the usual shorthand. It also requires insurers to OFFER personal-injury protection and uninsured-motorist cover, both of which the buyer may reject — but only in writing. Texas publishes the largest regulator-run premium comparison in the country.
- Minimum liability limits
- 30/60/25
- Fault system
- At-fault (tort)
- Tort threshold
- not applicable
- Restricted rating factors
- none found
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $30,000 | required | Tex. Transp. Code §601.072 |
| Bodily injury liability, per accident | $60,000 | required | Tex. Transp. Code §601.072 |
| Property damage liability | $25,000 | required | Tex. Transp. Code §601.072 |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
How old is this minimum?
Our committed statutory record for Texas does not carry the date its current limits took effect, so no real-terms restatement is shown. We will not deflate from a year we have not read in the statute or its enacting bill. The limits themselves are confirmed against primary text; only the commencement date is missing.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Texas’s minimum of $25,000 leaves $17,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in Texas
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Texas
Texas Department of Insurance publishes filed sample rates for 324 driver profiles across 25 counties, quoted as annual premiums. We compute the distribution of those filed rates — 283,500 of them — and publish the count, the lowest, the quartiles, the median and the highest for every published combination.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Texas — minimum limits 30/60/25
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $30,000 | required | Tex. Transp. Code §601.072 |
| Bodily injury liability, per accident | $60,000 | required | Tex. Transp. Code §601.072 |
| Property damage liability | $25,000 | required | Tex. Transp. Code §601.072 |
Fault system: At-fault (tort).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Texas
- What is the minimum car insurance required in Texas?
- Texas requires liability limits of 30/60/25 under Tex. Transp. Code §601.072.
- Is Texas a no-fault state?
- Texas operates at-fault (tort).
- Where can I see what drivers in Texas actually pay?
- Texas Department of Insurance publishes filed sample rates for the driver profiles it defines. We compute the distribution of those filed rates and publish it, with the count behind every figure.
Statutory records for Texas last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.