Minimum Auto Insurance in Texas

What minimum auto insurance covers in Texas

Minimum auto insurance in Texas is liability coverage written at the three limits in Texas Transportation Code §601.072, shortened to 30/60/25:

• $30,000 for injury to one person
• $60,000 for injuries to everyone hurt in one accident
• $25,000 for damage to another person’s property

Liability pays other people. A minimum policy pays the driver in the other car, the passengers in the other car, and the owner of the fence, the mailbox or the guardrail.

Texas set 30/60/25 as the floor for driving lawfully, not as a judgment about what a household can absorb. An at-fault crash that runs past the limit leaves the rest of the bill with the driver who caused it. Nothing in a 30/60/25 policy repairs that driver’s own vehicle.

What a 30/60/25 policy does not pay for

A Texas minimum policy covers other people and stops there, which is the part drivers discover after a crash rather than before one.

Not covered by 30/60/25 liability:

• Repairs to the at-fault driver’s own vehicle, which is collision coverage
• Hail, theft, fire, flood and animal strikes, which is comprehensive coverage
• Medical bills for the driver and passengers in the insured car, which is personal injury protection (PIP)
• Injuries caused by a driver carrying nothing, which is uninsured motorist coverage
• A rental car while the vehicle sits at the body shop

A loan or lease contract on a financed vehicle requires comprehensive and collision alongside the liability limits. The lender enforces that requirement itself, whatever state law allows.

What counts as proof of financial responsibility in Texas

Texas requires evidence of financial responsibility before a vehicle moves on a public road, and a liability policy is only one of the ways to establish it.

Texas Transportation Code §601.053 accepts:

• A motor vehicle liability insurance policy at 30/60/25 or higher
• A surety bond filed with the Texas Department of Public Safety
• A $55,000 deposit with the Texas Comptroller, under Texas Transportation Code §601.122
• A cash or cashier’s check deposit of at least $55,000 with the county judge of the county where the vehicle is registered, under Texas Transportation Code §601.123
• A certificate of self-insurance issued by the Texas Department of Public Safety

A liability policy is the common route. Texas Transportation Code §601.053(a) requires a driver to exhibit that evidence when a peace officer asks for it. An image displayed on a phone satisfies the request.

Texas car insurance requirements, in three parts

Texas car insurance requirements come in three parts, and the state sets only the first two.

• The limits. Liability at 30/60/25, the floor in Texas Transportation Code §601.072.
• The proof. Evidence of financial responsibility in one of the forms Texas Transportation Code §601.053 accepts, which for nearly every driver is the liability policy itself.
• The lender’s addition. Comprehensive and collision for the life of a loan or lease, with the lender named as loss payee.

A lender’s requirement is contractual rather than statutory, and it is the part drivers mistake for state law. Texas asks nothing about damage to the insured vehicle, so a car owned outright can sit at 30/60/25 and be legal, while a financed car at the same limits is in breach of its own loan agreement.

PIP and uninsured motorist coverage on a minimum Texas policy

Texas requires every insurer to offer two more coverages alongside the liability minimum, and a driver who does not want them has to refuse in writing.

The two mandatory offers:

• Personal injury protection (PIP) pays medical bills and lost wages for the driver and passengers regardless of fault, and Texas Insurance Code §1952.152 makes the offer mandatory and the refusal written
• Uninsured and underinsured motorist coverage answers the at-fault driver who carries nothing or too little, and Texas Insurance Code §1952.101 sets the same offer-and-reject rule

A declarations page showing 30/60/25 and nothing else has two signed refusals sitting behind it. Both rejections are written documents, and an insurer keeps them on file.

What Aulona Insurance Group can place at minimum limits

Aulona Insurance Group places Texas personal auto policies at 30/60/25 and at every limit above it, statewide, for standard and non-standard risk.

Aulona Insurance Group places minimum-limit coverage for:

• Vehicles owned outright, financed, or leased, though a lienholder will demand more than liability
• Commute, personal, and recreational use
• Drivers who need an SR-22 filing attached to the policy
• Drivers carrying tickets, at-fault accidents, or a lapse on the record

Every policy goes to an insurer Aulona Insurance Group holds an appointment with, and the agency does not quote insurers it does not represent.

Luka Cenaj, the agency’s licensed principal, goes through the limits with the driver on a recorded call before anything is bound.

Where Aulona Insurance Group is not the right fit

Aulona Insurance Group cannot write a minimum-limits policy on every vehicle in Texas, and a driver who needs proof of financial responsibility this week should hear the limits first.

Outside the markets Aulona Insurance Group holds:

• Vehicles without a seventeen-digit VIN, which no insurer can rate and no filing can be matched to
• Non-owner policies, except a non-owner SR-22 for a listed driver

A company-titled vehicle still needs proof of financial responsibility. A vehicle used for business, or titled to an LLC, corporation, partnership or trust, is not written on a personal auto policy. Aulona Insurance Group places it as commercial auto instead. See Commercial Auto Insurance in Texas.

Price bands, model years, vehicle types, storage-only policies and post office box garaging are the rest of the list, set out on the Texas auto insurance hub.

What moves the price of a minimum-limits Texas auto policy

The premium on a 30/60/25 policy is set by the insurer, not by Aulona Insurance Group, and no figure for it appears anywhere on this site.

A 30/60/25 policy is rated on the same inputs as any other Texas auto policy:

• The driving record, where a ticket, an at-fault accident or a gap in coverage stays on the rating for years
• The county the vehicle is garaged in
• Every driver in the household who has to be listed on the policy
• The vehicle’s age, value, and what a body shop charges to repair it
• Whether an SR-22 filing has to ride along with the policy

How the garaging county enters a 30/60/25 rate

Minimum limits are the same three numbers in every Texas county, and the rate behind them is not. Texas Insurance Code §2253.001 stops an insurer that subdivides a county into rating territories from charging any subdivision more than 15 percent above another for identical coverage, and 28 TAC §5.9960 lets it exceed that only on a rate that is actuarially sound and supported by data filed with the Texas Department of Insurance.

The address that rates the policy is where the vehicle is parked overnight, so two drivers carrying identical 30/60/25 limits across a county line sit in two different territories.

Aulona Insurance Group publishes no premium on this site and does not rank insurers by price. The number comes from the insurer, on the call with Luka Cenaj.