Financial Responsibility in Texas
According to the Texas Department of Insurance, anyone who drives in the state must show they can pay for accidents they cause. This is most commonly done through a liability insurance policy. The state sets specific dollar amounts as the absolute minimum you must carry.
Per Person
For injuries you cause to an individual in an accident.
Per Accident
The total limit available for all injuries in one accident.
Property Damage
Coverage for the other person's vehicle or property.
What Minimums DO NOT Cover
It is critical to understand that minimum liability only pays for the other person's losses. It provides zero protection for:
- Repairs to your own vehicle (needs Collision).
- Theft or hail damage to your car (needs Comprehensive).
- Your own medical bills (needs PIP or MedPay).
- Damage caused by an uninsured driver (needs UM/UIM).
The A-LA Recommendation
While 30/60/25 makes you legal, modern cars and medical bills often exceed these limits. Talk to an A-LA agent about "Step-Up" coverage which offers double the protection for often just a few dollars more.
Get Legally Compliant Today
Need a Texas Liability card fast? We issue them electronically the moment you sign.
GET LEGAL NOWSean — A-LA Auto Insurance
Licensed Insurance Agent — A-LA Auto Insurance, Dallas-Fort Worth
Sean is a licensed insurance agent at A-LA Auto Insurance, a TDI-licensed independent agency with 13 offices across Dallas-Fort Worth. He specializes in helping Texas drivers find affordable coverage — including SR-22 filings, non-standard auto, no-credit-check options, and coverage for drivers without a US license. Call (866) 252-6116 to speak with the team directly.
A-LA Auto Insurance is a Texas Department of Insurance (TDI) licensed agency. For personalized advice, call (866) 252-6116.