Texas Auto Insurance for Houston Drivers: 30/60/25 and What to Add
Texas law requires basic liability insurance but does not cover your own car or medical bills. You should consider extra coverage to protect yourself from uninsured drivers and storm damage.
The short answer
Texas requires drivers to carry at least 30/60/25 in liability insurance. This only covers costs for other people. You should add extra coverage to protect yourself and your car.
What do these numbers mean?
Texas requires liability insurance. This pays for harm you cause to others. The limits are:
- $30,000 for one person you hurt in a crash.
- $60,000 for everyone hurt in one crash.
- $25,000 for damage to other people's property.
This basic policy does not pay to fix your car. It also does not pay your medical bills.
Should I add more coverage?
In Texas, two important types of coverage are optional. These help you when you get into a crash.
- Uninsured and underinsured motorist coverage pays your medical bills if the other driver has no insurance or not enough. Many Texas drivers have no insurance or only the minimum amount.
- Personal injury protection pays your medical costs and lost wages. It pays even if you caused the crash.
Why is driving in Houston different?
Traffic on roads like I-10 and I-45 is heavy. You are often close to other cars at high speeds. If you hit a new truck, $25,000 may not cover the repair bill. Medical bills also add up fast after a big crash.
Hail is another risk in Houston. Comprehensive coverage pays for damage from hail, floods, or storms. You must buy this if you lease or finance your vehicle.
How can I manage my insurance costs?
- Where you park your car at night affects your price.
- Driving fewer miles each year can lower your rate.
- List every licensed person in your home who drives your car. Leaving someone off can cause problems with your claim later.
- Choosing a higher deductible lowers your monthly payment. A deductible is the amount you pay for a repair before your insurance starts paying.
Are there rules for my area?
Insurance rules change from state to state. Trinity Solutions is a Virginia agency. Our ability to help you in Texas depends on our carrier partners. We will confirm our ability to help you in writing.
What to do next
- Visit our auto insurance page to learn more.
- Ask us to check what we can write for you in Texas.
Ready to get covered?
Start a quote and speak with a licensed agent about available coverage options.