Texas 30/60/25 Minimum: What It Means
Under Tex. Transp. Code §601.051, every registered vehicle in Texas must carry minimum liability insurance. The numbers 30/60/25 represent your coverage limits:
$30,000
Bodily Injury per Person
Maximum your insurance pays for injuries to ONE person in an accident you cause. If injuries exceed $30K, you are personally liable for the difference.
$60,000
Bodily Injury per Accident
Total maximum for ALL bodily injuries in a single accident you cause. With multiple injured parties, this cap is shared among them.
$25,000
Property Damage per Accident
Maximum for damage to another person’s vehicle, fence, building, or other property. Average new car repair: $5,500–$10,000+.
Penalties for Driving Without Insurance in Texas
Driving without insurance in Texas is a Class C misdemeanor under Tex. Transp. Code §601.191. Penalties escalate with each offense:
Fine: $175–$350
Fine only; vehicle may be impounded if stopped for another violation.
Fine: Up to $1,000
Driver’s license suspension, vehicle registration suspension, possible vehicle impoundment.
Fine: Up to $1,000
Mandatory license suspension, SR-22 filing requirement for 2 years, $250 reinstatement fee, possible jail time (up to 180 days if operating without ever having insurance).
Fine: Varies
Personal liability for all damages, possible lawsuit, potential criminal charges if injuries result, and SR-22 requirement upon reinstatement.
SR-22 vs. FR-44 in Texas
SR-22 (Used in Texas)
- Certificate of financial responsibility
- Filed by your insurer with Texas DPS
- Proves you carry at least 30/60/25 minimum
- Required after: DUI/DWI, driving without insurance, multiple violations, or license suspension
- Required for 2 years in Texas
- Filing fee: typically $15–$50 one-time
- A-LA files SR-22 same-day at all 14 offices
FR-44 (NOT Used in Texas)
- Only used in Florida and Virginia
- Requires higher liability limits than SR-22
- Florida FR-44: $100K/$300K/$50K minimum
- Virginia FR-44: $50K/$100K/$40K minimum
- Texas does NOT use FR-44 at all
- If you see FR-44 mentioned for Texas, it is incorrect
- Texas uses SR-22 with standard 30/60/25 minimums
Required vs. Optional Coverage in Texas
| Coverage Type | Required? | What It Covers |
|---|---|---|
| Bodily Injury Liability | Yes | Injuries to others in an accident you cause (30/60 minimum) |
| Property Damage Liability | Yes | Damage to others' property in an accident you cause ($25K minimum) |
| Personal Injury Protection (PIP) | Offered* | Your own medical expenses regardless of fault ($2,500–$10,000) |
| Uninsured Motorist (UM/UIM) | Offered* | Protection if an uninsured/underinsured driver hits you |
| Comprehensive | No** | Non-collision damage: hail, theft, vandalism, animal strikes |
| Collision | No** | Damage to your own vehicle in a collision |
| Medical Payments (MedPay) | No | Medical bills for you and passengers regardless of fault |
*PIP and UM/UIM must be offered by insurers. You can reject in writing. **Comprehensive and collision are required by lenders for financed/leased vehicles.
Proof of Insurance in Texas
Texas law requires you to carry proof of financial responsibility at all times while operating a vehicle. Acceptable forms include:
- Physical insurance ID card from your carrier
- Digital proof on your phone (screenshot or insurer app)
- Valid insurance binder (temporary proof for new policies)
- TexasSure electronic verification (law enforcement can check this system)
Failure to show proof: fine of $175–$350 (first offense). You may dismiss the ticket by showing valid insurance to the court within 10 days.
Frequently Asked Questions
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30/60/25 minimum from $28/month (typical range $45–$200/month). SR-22 filed same-day. No credit check. 35+ carriers compared at 14 DFW offices.
(866) 252-6116Licensed Insurance Agent, Texas
Published · Updated
Sean is a licensed insurance agent at A-LA Auto Insurance, a TDI-licensed independent agency (License #3107286) with 14 offices across Dallas-Fort Worth. With 5+ years of experience in the non-standard auto insurance market, he specializes in SR-22 filings, high-risk auto, DUI insurance, no-credit-check options, and coverage for drivers without a US license. Sean works with 35+ carriers to find the lowest available rate. Call (866) 252-6116 to speak with the team directly.
Licensed by the Texas Department of Insurance (TDI License #3107286). A-LA Auto Insurance is an independent agency serving DFW since 2021. For personalized advice, call (866) 252-6116.
Disclaimer: This content is for informational purposes only and does not constitute personalized insurance advice. Coverage options, terms, and pricing vary by individual circumstances. Contact a licensed agent for specific recommendations. A-LA Auto Insurance is licensed by the Texas Department of Insurance (TDI License #3107286).