Texas Liability Insurance

Texas Liability Insurance: What You Need to Know About State Minimums 

When you're behind the wheel in Texas, having the right auto insurance is not just smart, it's required by law. At Agencia de Seguros de Accesso, LLC. (A Abana), we’ve helped thousands of Texas drivers get affordable car insurance coverage that keeps them driving legally and meets Texas insurance requirements. If you're looking for cheap liability car insurance in Texas or simply want to understand what the state requires, we’re here to make it simple. 

Let’s break down the basics of Texas liability insurance, what’s required, what it may and may not cover. 

What is liability car insurance? 

Liability auto insurance helps cover the costs if you’re found at fault in a covered accident. It's the foundation of any auto policy and is mandatory in the state of Texas. It doesn’t cover damage to your own car or injuries to you, it only helps cover costs for other people’s injuries or property damage caused by you. 

It includes two key parts: 

• Bodily Injury Liability – Helps pay for medical expenses and lost income if you injure someone in a covered car accident. 
• Property Damage Liability – Can help cover repairs or replacement if you damage another person's car or property. 

Texas requires all drivers to carry liability coverage because it protects other drivers and helps pay the financial costs of a covered accident you cause. 

Texas minimum car insurance requirements 

The Texas minimum car insurance requirements are often referred to as “30/60/25” coverage: 

• $30,000 for bodily injury per person 
• $60,000 for bodily injury per accident 
• $25,000 for property damage per accident 

Here’s what this means: if you’re found to be at-fault in an accident, your insurance carrier may pay up to $30,000 for each injured person, but no more than $60,000 total per accident. It may also pay up to $25,000 for property damage. 

This is the minimum liability insurance required in Texas. You must have at least this much to drive legally. These amounts are set by the state to ensure that drivers can pay for injuries or damage they cause to others. 

These minimum requirements may not be enough. Medical bills and repair costs can add up fast. If damages exceed your coverage, you could be responsible for the difference out of pocket. Many drivers may choose higher limits or additional coverage for broader financial security. 

The cost of liability insurance in Texas 

Rates can vary based on where you live, your driving record, age, vehicle type, and credit history. For example, in Houston, a large, metropolitan city, the average cost of a liability-only policy may be higher than in smaller towns due to population density and accident rates. 

At A Abana, we specialize in working with drivers across Texas, offering flexible payment plans and discounts that help keep your monthly costs low. 

Proof of Insurance and TexasSure 

In Texas, drivers must carry proof of insurance at all times, either as a printed card or a digital copy on their phone. 

The state also uses a system called TexasSure which is an electronic database that matches your insurance policy to your vehicle registration. Law enforcement can use TexasSure to instantly verify whether you're insured or not.  

If you’re caught driving without insurance, you could face: 

• Fines up to $350 for a first offense 
• Additional fees and court costs 
• Suspension of your driver’s license and vehicle registration 
• Higher insurance rates later 

What liability insurance doesn’t cover 

It’s important to understand that liability insurance only pays for the other driver’s damages and injuries if you’re found to be at-fault for a covered accident. It won’t pay for your own: 

• Car repairs after a crash (collision coverage) 
• Vehicle damage from theft, vandalism, or weather (comprehensive coverage) 
• Medical expenses for you or your passengers (medical payments coverage) 

These are add-on coverages you can include in your policy for an extra cost.    

Get a free quote for Texas car insurance 

At A Abana, we know Texas drivers because we’ve been serving them for years. From Dallas to Houston, San Antonio, and beyond, we’re here to help keep you covered with affordable car insurance that fits your life and your wallet. Whether you’re shopping for basic liability or looking to add more coverage for extra peace of mind, our agents are here to help you find the perfect fit. 

We have the following for your convenience: 

• Bilingual Spanish-speaking agents ready to help 
• Affordable rates and discounts for qualifying drivers 
• SR-22 insurance available for drivers who need it 
• Full coverage auto insurance options 
• Fast and easy quotes online or in-store 

Call us at 214-764-8868, visit a local A Abana store in Texas, or get your free liability auto insurance quote online today. 

Disclaimer:   

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.