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Educational only · not insurance advice. PickRV is not an insurance broker, agent, producer, or carrier. Coverage varies by carrier and policy. Verify any decision with a licensed insurance professional in your state.

State minimums

Texas Auto Insurance Minimums — What the Law Requires and Why It's Often Inadequate

Texas minimums are at the median nationally. They are still inadequate for serious accidents.

By PickRV·Cited primary sources·Updated May 18, 2026

TL;DR

Texas's minimum auto liability is 30/60/25. Texas Department of Insurance (TDI) recommends drivers carry significantly higher limits given typical accident costs. Texas is an at-fault state with modified comparative fault (51% rule — claimants 51%+ at-fault cannot recover).

What this covers

Texas mandatory minimum bodily injury liability per person.

Texas mandatory minimum bodily injury liability per accident.

Texas mandatory minimum property damage liability.

Texas additional mandatory coverages (PIP, UM, MedPay where applicable).

Texas penalty schedule for driving without insurance.

What it does NOT cover

Coverage adequate for serious accidents (state minimums are legal floors, not financial protection).

Damages above the per-person or per-accident limits.

Vehicles the policy does not extend to (motorhomes commonly excluded).

Optional coverages not mandated (collision, comprehensive, umbrella).

Real-world examples

Anonymized composite scenarios illustrating typical outcomes.

Texas 30/60 driver exposed for $145K above limits

A Texas at-fault driver carried 30/60/25 minimums. A multi-vehicle accident injured three people; combined claims hit $205,000. The driver's policy paid the $60K per-accident cap; the remaining $145K fell to personal exposure. The driver was sued personally; settlement reached at $95K plus payment plan.

Outcome: At-fault driver: $95K out-of-pocket plus payment plan. Increase from 30/60 to 250/500 would have added ~$25/month — and prevented the entire personal exposure.

Cost ranges

Industry-typical pricing from published carrier and industry sources. Actual quotes vary by state, vehicle, and driver history.

Texas state-minimum premium$700-$1,800/year

Per TDI; varies by zip code and record.

Increase to 250/500 limits+$200-$500/year

Industry-typical.

What insurance companies don't say

Industry insider knowledge surfaced for educational transparency.

Texas is at-fault, not no-fault

Unlike Florida, Texas operates on at-fault rules. The at-fault driver's liability pays the injured party's damages. UM/UIM is critical for protection against uninsured at-fault drivers.

Hailstorm exposure shapes Texas premiums

Texas leads US states in hailstorm frequency and severity. Comprehensive coverage in Texas typically has separate hail-zone deductibles. Spring (March-May) is peak hail season; comprehensive deductibles are tested often.

TDI complaint indices are public

Texas Department of Insurance publishes annual complaint indices comparing carriers. Use these as one input in carrier selection.

State variations

TXTexas

Texas minimum: 30/60/25 — $30K per person BI, $60K per accident, $25K property damage. Source: Texas Department of Insurance.

FAQ

What are Texas's minimums?

30/60/25 per TDI.

Is UM required in Texas?

No — UM is optional but strongly recommended. Texas has high uninsured-driver rates in some regions.

What is SR-22 in Texas?

An SR-22 is a financial-responsibility filing required after specific events (DUI, multiple at-fault claims). It is filed by the carrier with the state to verify minimum coverage in force.

Does Texas allow umbrella policies?

Yes — Texas umbrella policies are widely available and competitively priced.

Is Texas hail coverage different?

Yes — separate hail-zone deductibles are common in Texas comprehensive policies. Spring is peak claim season.

When to consult a broker

Talk to a broker before any vehicle insurance purchase in Texas. State minimums are the legal floor; meaningful financial protection typically requires 100/300/100 limits plus a personal umbrella. The increase is usually modest in premium relative to the protection delta.

Sources

[1]Texas Department of Insurance — Texas state insurance regulator
[2]III — Auto Insurance Basics — Auto insurance basics
[3]NAIC — Auto Insurance Buyer's Guide — Auto insurance coverage explained
[4]NAIC — Consumer Insurance Search — Consumer regulator + complaint portal
[5]III — Facts + Statistics — RV / recreational vehicle industry stats

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