(866) 252-6116
Back to Blog
Compliance 6 min readFeb 22, 2026

Texas Minimum Requirements: The 30/60/25 Guide

To drive legally in Texas, you must meet the state's minimum liability standards. We break down exactly what 30/60/25 means for you.

Financial Responsibility in Texas

Texas law requires anyone who drives in the state to 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.

$30,000

Per Person

For injuries you cause to an individual in an accident.

$60,000

Per Accident

The total limit available for all injuries in one accident.

$25,000

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 NOW