Texas Car Insurance Minimum Requirements
What Texas law requires you to carry, and what your insurer must offer you on top of it.
- Shorthand
- 30/60/25
- Bodily injury — per person
- $30,000
- Bodily injury — per accident
- $60,000
- Property damage
- $25,000
- Uninsured / underinsured motorist
- Must be offered; rejectable in writing
Insurers must offer uninsured/underinsured motorist coverage. To go without it you must tell the company in writing.
- Personal injury protection (PIP)
- Included by default; rejectable in writing
Every Texas auto policy includes personal injury protection unless you reject it in writing.
- PIP minimum limit
- $2,500
Statutory minimum PIP limit per person under Tex. Ins. Code § 1952.152.