Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
The minimum liability car insurance requirements in Texas are $30,000 in bodily injury liability insurance per person ($60,000 per accident) plus $25,000 in property damage liability insurance. These requirements can also be written as 30/60/25.
Key Things to Know About Liability Car Insurance in Texas
- Some communities are exempt. Per Alaska state legislature, if you live in certain communities, you are exempt from vehicle registration, the Mandatory Insurance Law, and CDL road testing. In this case, you are not required to purchase liability insurance.
- It covers others' expenses. Liability insurance pays for others' medical expenses and property damage after an accident you were responsible for.
- There are penalties for driving without the required coverage. If Texas drivers do not satisfy Texas' minimum liability requirements, they can face penalties for driving without insurance.
- Drivers should consider purchasing higher limits. Drivers should consider buying more than the minimum amount of liability coverage required by Texas law if they can afford it. If you cause an accident that results in damage beyond your policy limits, you will be personally responsible for paying the difference.
- Liability insurance will not cover all events. Texas drivers can also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder's own injuries or property. For instance, both collision insurance and comprehensive insurance cover damage to the policyholder's car. You will likely need these types of insurance if your vehicle is financed.
To learn more, check out WalletHub's guides on how much car insurance you need and cheap car insurance in Texas.
People also ask
How much liability insurance do I need?
You need enough liability insurance to cover your net worth. Having coverage equal to the value of the assets you own and all the money you have, minus your debt, protects you financially in case of a serious car accident.
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