# Minimum Amount of Auto Insurance Coverage Required in Texas | Attorney Brian White ![What is the Minimum Amount of Auto Insurance Coverage Required in Texas?](https://attorneybrianwhite.com/wp-content/uploads/2016/12/What-is-the-Minimum-Amount-of-Auto-Insurance-Coverage-Required-in-Texas-300x171.jpg) It has been a national requirement to have auto insurance in some form for nearly 100 years. States have the autonomy to decide what the minimum requirements will be, along with any other insurance laws. [Houston](https://www.houstontx.gov/), [Texas](https://www.texas.gov/)’ car insurance regulations are indeed different from its neighboring states, so it’s important to know exactly what your policy entails. ## **Texas Minimum Auto Insurance Requirements** The minimum coverage in Texas is 30/60/25, which means: $30,000 per injured person, $60,000 per accident, and $25,000 to cover third-party [property damage](https://attorneybrianwhite.com/blog/property-damage/). This is the bare minimum, and it’s recommended that you purchase insurance which can cover more damage. Whether or not your insurance will cover such damages depends on your policy. ### **Liability Coverage** Your auto insurance acts as proof of financial responsibility in the event of a [car accident](https://attorneybrianwhite.com/houston-tx/car-accident-lawyer/). You will receive an insurance card and you must carry it with you at all times. It’s crucial to know exactly what is included on your policy, such as how many people are actually covered by it. [Liability](https://attorneybrianwhite.com/faqs/whats-liability/) insurance will cover: - You and your family members (those related by blood and marriage). - Other people driving your car with your permission. - Family members attending school away from home. - Spouses living elsewhere during a separation. If you are found to be at fault, you will be responsible for paying the other person’s medical expenses, [property damage](https://attorneybrianwhite.com/blog/property-damage/) bills and their lost wages from the time they may have missed at work. Liability covers these things, as well as defense costs, attorney fees and up to $250 bail. It only covers all of this up to the dollar amounts specified on your policy; everything after that is [out-of-pocket](https://attorneybrianwhite.com/blog/out-of-pocket-expenses/), which is why only having the minimum insurance may be detrimental. ### **Collision and Comprehensive Coverage** If you still owe money on your car, you’ll be required to have these coverages on your plan. Collision covers the cost of repairing or replacing your car after an accident, while comprehensive covers things such as damage caused by vandalism, fire, hail or other falling objects. If your car was stolen, you must report it to the police otherwise insurance won’t provide any compensation. With both of these, your payment will be limited to the car’s cash value minus your deductible. For a legal consultation call [(713) 500-5000](tel:+17135005000) ## **Texas Auto Insurance Optional Coverages** The minimum coverage is the most basic kind you can purchase, and may not be enough to cover all of the damages. Texas only requires you to have liability coverage. However, there are additional pieces of coverage that can be purchased a la carte, and they can provide extra peace of mind for the unexpected. Depending on your lifestyle and how often you are in your car, additional coverage may be a worthwhile purchase. ### **Medical Payments and Personal Injury Protection (PIP) Coverage** Medical payments will cover hospital bills and funeral expenses for you, other passengers in your car, and other [injured people including pedestrians](https://attorneybrianwhite.com/houston-tx/pedestrian-accident-lawyer/) or bicyclists, regardless of who was at fault. PIP coverage, in addition to medical payments, plus 80 percent of [lost wages](https://attorneybrianwhite.com/faqs/can-i-be-reimbursed-for-lost-wages-after-a-car-accident/) and the cost of a caregiver should be necessary. ### **Uninsured/Underinsured Motorist Coverage** According to the [Texas DMV](https://www.txdmv.gov/), approximately 20 percent of the drivers in the state are uninsured. Given that a lot of uninsured drivers may very well hit-and-run if they’re involved in an accident, this may be the most necessary of optional coverages. There are two types you can get: - [Bodily Injury](https://attorneybrianwhite.com/blog/the-difference-between-bodily-injury-and-personal-injury/) – pays for medical bills, lost wages, pain and suffering, disfigurement, and permanent or partial disability. There is not a deductible. - Property Damage – pays for repair, rental, and any damage to items inside your car. There is a $250 deductible. You, your family members, and others driving your car with your permission are all covered UM/UIM insurance. ### **Rental Reimbursement and Towing Coverage** If your car is badly [damaged](https://attorneybrianwhite.com/blog/types-of-damages-available-in-personal-injury-cases/) you’ll need to have it towed, and you’ll need a rental car while it’s being repaired. This optional coverage will reimburse you of both of these costs, as well as the labor. However, rental reimbursement only covers expenses if your car was damaged by something which is explicitly mentioned in your policy. So if your car was damaged in a fire but your policy only covers hail, you won’t be reimbursed. ### **Texas Negligence Law** Texas operates under the modified comparative fault rule. This means that you are compensated based on the percentage in which you are deemed at fault. If you are awarded $10,000 in damages but are found to be 25 percent at fault, then you will receive $7,500 of that. The “modified” part of this means that if you are found to be 51 percent or more at fault, then you won’t be awarded any compensation at all. If you have been in an accident, contact the experienced Houston car accident attorney Brian White. Brian can help you battle your insurance, and is dedicated to ensuring that you are compensated fairly for your injuries. Call for your free consultation. ## Contact the Houston Car Accident Lawyers at Attorney Brian White Personal Injury Lawyers For Help Our offices Houston — Greenway/Upper Kirby 3120 Southwest Freeway, Suite 350 Houston, TX 77098 Open 24 hours daily Call [(713) 364-1466](tel:+17133641466) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%203120%20Southwest%20Freeway%2C%20Suite%20350%2C%20Houston%2C%20TX%2077098) Houston — East Freeway 11811 East Freeway, Suite 630-06 Houston, TX 77029 Open 24 hours daily Call [(713) 609-1893](tel:+17136091893) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%2011811%20East%20Freeway%2C%20Suite%20630-06%2C%20Houston%2C%20TX%2077029) Houston — South Loop 2600 South Loop West, Suite 293 Houston, TX 77054 Open 24 hours daily Call [(713) 281-4904](tel:+17132814904) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%202600%20South%20Loop%20West%2C%20Suite%20293%2C%20Houston%2C%20TX%2077054) Houston — Katy Freeway 11511 Katy Fwy, Suite 515 Houston, TX 77079 Open 24 hours daily Call [(713) 909-7537](tel:+17139097537) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%2011511%20Katy%20Fwy%2C%20Suite%20515%2C%20Houston%2C%20TX%2077079) Houston — Clear Lake 1300 Bay Area Blvd, Suite B268 Houston, TX 77058 By appointment only Call [(936) 508-2854](tel:+19365082854) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%201300%20Bay%20Area%20Blvd%2C%20Suite%20B268%2C%20Houston%2C%20TX%2077058) The Woodlands 1776 Woodstead Ct, Ste. 203 The Woodlands, TX 77380 By appointment only Call [(281) 843-9777](tel:+12818439777) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%201776%20Woodstead%20Ct%2C%20Ste.%20203%2C%20The%20Woodlands%2C%20TX%2077380) Champion Forest (Cypress) 4606 FM 1960 Rd W, Ste. 444 Houston, TX 77069 By appointment only Call [(281) 843-9777](tel:+12818439777) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%204606%20FM%201960%20Rd%20W%2C%20Ste.%20444%2C%20Houston%2C%20TX%2077069) --- ### About the Author Brian White ![About the Author Brian White](https://attorneybrianwhite.com/wp-content/uploads/2024/12/brian-white-houston-personal-injury-lawyer-300x300.jpg) [Brian White](https://attorneybrianwhite.com/about/our-attorneys/brian-white/) earned his J.D. from South Texas College of Law in Houston and is licensed to practice in Texas. As a [Board-Certified](https://attorneybrianwhite.com/resources/brian-white-is-board-certified-in-personal-injury-trial-law/) Personal Injury Trial Lawyer, Brian represents clients throughout Houston in cases involving [car accidents](https://attorneybrianwhite.com/houston-tx/car-accident-lawyer/), [truck accidents](https://attorneybrianwhite.com/houston-tx/truck-accident-lawyer/), [motorcycle accidents](https://attorneybrianwhite.com/houston-tx/motorcycle-accident-lawyer/), [brain injuries](https://attorneybrianwhite.com/houston-tx/brain-injury-lawyer/), [wrongful death](https://attorneybrianwhite.com/houston-tx/wrongful-death-lawyer/), and more. Dedicated to giving back, he actively supports local charities and [community initiatives across Houston](https://attorneybrianwhite.com/about/community-involvement/). [Client testimonials](https://attorneybrianwhite.com/about/testimonials/) highlight Brian’s compassion, open communication, and dedication to achieving the best outcomes for those he represents. [Avvo](https://www.avvo.com/attorneys/77098-tx-brian-white-74113.html) / [Justia](https://lawyers.justia.com/lawyer/brian-elliott-white-201630) / [Linkedin](https://www.linkedin.com/in/attorney-brian-white-378410166) / [Facebook](https://www.facebook.com/login/?next=https%3A%2F%2Fwww.facebook.com%2FBrianWhiteLawFirm%2F/) / [Youtube](https://www.youtube.com/channel/UCDdkDcGkbY2GFTzpeTWypFQ) / [Instagram](https://www.instagram.com/attorneybrianwhite/?hl=en) / [Yelp](https://www.yelp.com/biz/brian-white-and-associates-houston) Call or Text [(713) 500-5000](tel:+17135005000) or Complete a [Case Evaluation Form](/contact-us/) Car Accidents Blog Posts: [![Burnet Car Accident Statistics](https://attorneybrianwhite.com/wp-content/themes/brian-white/assets/app/img/default-thumb.webp)](https://attorneybrianwhite.com/blog/burnet-car-accident-statistics/) [Burnet Car Accident Statistics](https://attorneybrianwhite.com/blog/burnet-car-accident-statistics/) Car accidents are common in a populous state like Texas. Even in smaller cities like Burnet, which has a [![How To File a Car Accident Claim With Allstate in Houston](https://attorneybrianwhite.com/wp-content/uploads/2023/10/How-To-File-a-Car-Accident-Claim-With-Allstate-in-Houston-300x200.jpg)](https://attorneybrianwhite.com/blog/how-to-file-a-car-accident-claim-with-allstate-in-houston/) [How to File a Car Accident Claim With Allstate in Houston](https://attorneybrianwhite.com/blog/how-to-file-a-car-accident-claim-with-allstate-in-houston/) A car accident can upend your life faster than you can even ask yourself what happened. In an injury accident, it’s [![Vehicle and Driver Requirements For Uber and Lyft in Texas](https://attorneybrianwhite.com/wp-content/uploads/2024/04/Vehicle-and-Driver-Requirements-For-Uber-and-Lyft-in-Texas-300x200.jpg)](https://attorneybrianwhite.com/blog/vehicle-and-driver-requirements-for-uber-and-lyft-in-texas/) [Vehicle and Driver Requirements for Uber and Lyft in Texas](https://attorneybrianwhite.com/blog/vehicle-and-driver-requirements-for-uber-and-lyft-in-texas/) {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What are Vehicle and [![Car Accidents Caused By Brake Checking in Houston](https://attorneybrianwhite.com/wp-content/uploads/2023/10/Car-Accidents-Caused-By-Brake-Checking-in-Houston-300x200.jpg)](https://attorneybrianwhite.com/blog/car-accidents-caused-by-brake-checking-in-houston/) [Car Accidents Caused By Brake Checking in Houston](https://attorneybrianwhite.com/blog/car-accidents-caused-by-brake-checking-in-houston/) Brake checking while traffic is congested can affect even the best of drivers. Even when there is no traffic, a --- Source: https://attorneybrianwhite.com/blog/minimum-amount-of-auto-insurance-coverage-required-in-texas/