Quick Answer
Texas minimum auto liability is 30/60/25 under Tex. Transp. Code §601.072: $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage per accident. It pays only the OTHER driver's injuries and property — never your own car. A-LA Auto Insurance writes 30/60/25 liability policies from $28/month at 14 DFW offices, same-day binding, bilingual, no credit check. TDI License #3107286.
What Does 30/60/25 Mean?
The three numbers in 30/60/25 represent three separate liability coverage limits. Here is what each number covers:
$30,000
Bodily Injury Per Person
Maximum your insurance pays for injuries to one person in an accident you cause.
$60,000
Bodily Injury Per Accident
Maximum for all injuries combined in one accident you cause (all people total).
$25,000
Property Damage Per Accident
Maximum for property damage in one accident you cause (other vehicles, structures, etc.).
Important: These Are Maximums, Not Guarantees
If you cause an accident where the other person's medical bills exceed $30,000, your insurance pays only $30,000 — you are personally responsible for the rest. In DFW, average hospital stays cost $15,000–$50,000+, and serious injuries can exceed $100,000. The minimum limits may leave you financially exposed.
What Minimum Liability Does NOT Cover
Liability insurance only pays for damage you cause to other people and their property. It does not cover any of the following:
When Should You Get Full Coverage?
Full coverage adds comprehensive (theft, weather, vandalism) and collision (accident damage to your car) on top of liability. Compare liability-only vs full auto insurance options in your free quote. You should strongly consider full coverage if:
Your Vehicle Is Financed or Leased
Lenders require full coverage to protect their investment. If you drop below full coverage, the lender may force-place expensive insurance on your loan.
Your Car Is Worth More Than $10,000
If you cannot afford to replace your vehicle out of pocket, comprehensive and collision coverage protects you.
You Drive in DFW
Dallas-Fort Worth has among the highest rates of hail damage, uninsured motorists (estimated 14% in Texas), and vehicle theft in the state. Full coverage protects against all three.
You Have Limited Savings
If a total loss or major repair would create financial hardship, the additional $30–$80/month for full coverage is worth the protection.
Penalties for Driving Without Insurance in Texas
Under Tex. Transp. Code §601.191, driving without insurance in Texas carries significant consequences that escalate with repeat offenses:
| Offense | Fine | Additional Consequences |
|---|---|---|
| 1st Offense | $175 – $350 | Possible license suspension, SR-22 requirement |
| 2nd Offense | Up to $1,000 | License suspension, SR-22 for 2 years, vehicle impoundment possible |
| 3rd+ Offense | Up to $1,000 | Extended suspension, SR-22 for 2 years, vehicle impoundment, reinstatement fee ($100) |
FR-44 vs. SR-22 in Texas
A common question is whether Texas uses FR-44 filings. Texas does NOT use FR-44. FR-44 is a filing used only in Florida and Virginia that requires higher-than-minimum coverage limits after a DUI.
In Texas, the equivalent is the SR-22 filing, which certifies that you carry at least the state minimum 30/60/25 liability coverage. There is no requirement to carry higher limits after a DUI or other violation in Texas — just the standard 30/60/25 minimum with an SR-22 certificate filed with TxDPS.
How Non-Standard Drivers Get Compliant
Non-standard drivers — those with DUI/DWI, suspended licenses, no prior insurance, foreign licenses, or multiple violations — may have difficulty getting coverage from standard carriers. However, Texas has a robust non-standard insurance market with carriers that specialize in these situations.
A-LA Auto Insurance works with 35+ carriers, including multiple non-standard carriers, to find the most affordable Texas-compliant policy for any driver. We offer same-day Texas auto insurance with no credit check at all 14 DFW locations. Liability-only policies start from $28/month, with typical non-standard customers paying $65/month.
Texas 30/60/25 Liability from $28/month.
Same-day proof of insurance. No credit check. 35+ carriers compared. Meet the Texas legal minimum and drive today — at any of our 14 DFW offices or over the phone.
What does 30/60/25 actually mean in Texas?
The three numbers in Texas's 30/60/25 minimum liability requirement represent the three liability limits that every registered vehicle must carry under Texas Transportation Code §601.072 before being driven on a public road. The first number, $30,000, is the most an insurer will pay for any single person's bodily injury in an at-fault accident. The second, $60,000, is the total bodily-injury cap per accident across all injured people combined. The third, $25,000, is the maximum payout for damage to the other party's vehicle or property. These limits apply to the at-fault driver's policy only — they do not cover the policyholder's own medical bills or vehicle damage. Median DFW hospital bills for a moderate accident exceed $45,000, so most A-LA customers upgrade to 50/100/50 or 100/300/100. Liability starts at $28/month. Sean Gilani, TDI #3107286 — call (866) 252-6116.
What are the penalties for driving without minimum coverage?
Under Texas Transportation Code §601.191, driving without the required 30/60/25 minimum liability insurance carries escalating penalties. A first offense is a fine of $175–$350, plus a $250-per-year surcharge for three years under the Driver Responsibility Program — bringing total cost to roughly $925 even before court fees. A repeat offense raises the fine cap to $1,000 and triggers automatic license suspension, vehicle registration suspension, and possible vehicle impoundment. Causing an at-fault accident while uninsured exposes the driver to full personal civil liability for the other party's medical bills, lost wages, and property damage, with potential wage garnishment and asset liens following a civil judgment. A-LA Auto Insurance writes 30/60/25 liability from $28/month with same-day binding at 14 DFW offices. Licensed by TDI under #3107286. Call (866) 252-6116.
Frequently Asked Questions
Get Compliant Today at the Best Rate
Whether you need minimum 30/60/25 liability or full coverage, A-LA Auto Insurance can help you get compliant at the best rate available. We work with 35+ carriers — including non-standard carriers for high-risk drivers — and never run a credit check.
Same-day coverage at all 14 DFW offices. Call (866) 252-6116 or walk into any location for a free quote.
Texas 30/60/25 Liability — From $28/Month
Same-day proof of insurance. No credit check. 35+ carriers compared. Walk in, call, or quote online — covered before you leave.
Licensed 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).