Minimum Auto Insurance in Texas

All drivers in Texas must have auto insurance in order to operate a vehicle legally. To drive in Texas, you must carry a certain Minimum Auto Insurance in Texas. Does Texas’s legal minimum for auto insurance, however, give you adequate protection? You might be shocked to discover how little protection the bare minimum coverage truly provides.

Minimum Limits for Auto Insurance

To protect themselves in the event that they are judged to be at fault in an accident, drivers in Texas are required to have a minimum amount of motor liability insurance. Texas state minimums for property damage liability and bodily injury liability are $25,000 and $30,000, respectively, per accident and per person, respectively (PD).

Although these sums might seem sufficient, they typically do not provide nearly enough coverage. With the price of autos today, $25,000 is undoubtedly insufficient to repair or replace one vehicle. What if many vehicles were damaged? These auto insurance minimum limits may be swiftly reached because injury claims can easily reach the hundreds of thousands of dollars.

No Minimum Car Insurance Provides Complete Protection

Maybe you decide on the bare minimum of auto insurance because it’s less expensive than a higher coverage level. What you might not be aware of is that the sum of money is insufficient, and there are several things it does not cover:

  • Uninsured or underinsured motorist: If you are hit by an uninsured or underinsured driver, you are not covered by the minimum liability coverage provided by your BI and PD auto insurance. In Texas, this additional coverage is actually necessary as well, although you can opt out of it if you want to save money. They then discover that they do not have coverage for themselves after being involved in an uninsured accident, which may be an unpleasant awakening and leave you with a lot of out-of-pocket costs to deal with.
  • The state’s minimal requirement for auto insurance only covers liability, so you are not required to have coverage to fix your car if it is damaged in an accident or by other factors like theft, falling items, fire, hail, cracked windshields, etc. Again, you will be responsible for paying for all of these repairs.


Texas requires a minimum of 30/60/25 coverage, which translates to $30,000 each person injured, $60,000 per accident, and $25,000 for third-party property damage. This is the minimal minimum; it is advised that you buy insurance that can protect against greater damage. Depending on your policy, your insurance may or may not cover these damages.


In the event of an automobile accident, your auto insurance serves as documentation of your financial responsibilities. An insurance card will be given to you, and you must always keep it on you. Knowing exactly what is covered by your policy, such as how many people are actually protected by it, is essential. Liability insurance will protect against:

  • You and your loved ones (those related by blood and marriage).
  • operating your vehicle by someone else with your permission.
  • family members away from home for school.
  • spouses who relocate while they are apart.

If it is determined that you are at blame, you will be liable for the other person’s medical expenditures, property damage bills, and lost wages due to any time they may have missed from work. These expenses are covered by liability, as well as any defense expenses, legal fees, and bail up to $250. Only having the minimum insurance may be harmful because it only covers everything up to the dollar limits indicated on your policy; everything above that must be paid for out-of-pocket.

Collision and in-depth reporting

You must include these coverages in your plan if you still owe money on your car. While comprehensive insurance covers things like damage brought on by vandalism, fire, hail, or other falling items, collision insurance only covers the cost of repairing or replacing your automobile after an accident. You must notify the authorities if your automobile has been stolen in order for your insurance to pay out. Your payment with either of them will be capped at the cash worth of the vehicle less your deductible.


The cheapest type of coverage available is the minimal, which might not be sufficient to pay for all losses. You simply need liability insurance in Texas. However, there are optional extras of coverage that can be purchased separately and offer more assurance against unforeseen events. Additional coverage can be a wise investment, depending on your lifestyle and how frequently you drive.


Regardless of who was at fault, medical payments will cover hospital bills and funeral costs for you, other passengers in your car, and other wounded persons, such as pedestrians or cyclists. It should be mandatory to have PIP coverage in addition to medical expenses, as well as pay for a carer and 80% of lost wages.


Approximately 20% of Texas drivers lack insurance, according to the Texas DMV. This may be the most important of the extra coverages because many uninsured drivers may hit-and-run if they are involved in an accident. There are two varieties available:

  • Bodily Injury: Covers expenses for pain and suffering, disfigurement, lost wages, and permanent or partial disability. A deductible is not required.
  • Property damage insurance covers repairs, rental fees, and any goods that are damaged within your car. A $250 deductible applies.

UM/UIM insurance covers you, your family, and anybody else driving your automobile with your consent.


If your automobile needs extensive repairs, you’ll need to have it hauled away and hire a replacement vehicle. You will be compensated for both of these expenses as well as the labor by this extra coverage. Rental reimbursement, however, only pays for costs when anything specifically stated in your policy caused damage to your automobile. Therefore, you won’t be compensated if your automobile was damaged in a fire but your insurance only covers hail.


The modified comparative fault rule is in effect in Texas. This implies that you will receive compensation dependent on the degree of blame you are assigned. If you are determined to be 25% at blame and earn a $10,000 damage award, you will still receive $7,500 of that. The “modified” half of this clause states that you won’t receive any compensation if you are found to be at least 51 percent at blame.

Contact Houston vehicle accident lawyer Brian White if you have been in an accident. Brian is committed to making sure that you receive just compensation for your injuries and can assist you in battling your insurance. Request a free consultation by calling.

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