Texas

Texas requires minimum liability of 30/60/25 — $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage. These are state minimums; consumer advocates typically recommend higher limits (100/300/100) to cover serious injuries.

Bodily injury liability in Texas pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $30,000 per injured person and $60,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in Texas pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $25,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

Texas does not strictly require UM/UIM coverage, but insurers must offer it. UM/UIM coverage must be offered at the same limits as liability; written rejection allowed. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

Texas requires insurers to OFFER PIP of at least $2,500, but the insured may waive it in writing. PIP pays medical bills and lost wages regardless of fault and can speed claim resolution.

Texas requires insurers to offer PIP of at least $2,500, but the insured may waive in writing. Texas is an add-on (not true) no-fault state.

Self-insurance certificates available for fleets of 25+ vehicles, or by depositing $55,000 in cash or securities with the State Comptroller. SR-22 required for two years after DWI, uninsured accidents, or repeat suspensions.

For the most current minimum auto insurance requirements in Texas, consult the official source at https://www.tdi.texas.gov/. State minimums change periodically; verify current law before relying on these figures.