Auto Insurance March 22, 2025 4 min read
Texas Auto Insurance Minimums Aren't Enough — Here's Why
The state-required limits can leave you exposed after even a moderate accident. Here's a smarter baseline.
Texas requires every driver to carry at least 30/60/25 in liability coverage. That sounds reasonable until you realize a single trip to the ER can blow past those limits in an afternoon.
Most agents recommend at least 100/300/100 in liability limits, plus uninsured motorist coverage to protect you from the surprising number of Texas drivers without insurance. Add an umbrella policy and you have layered protection at a very affordable price.
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