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Texas insurance glossary

30/60/25

30/60/25 is the shorthand for the minimum auto liability limits Texas requires: $30,000 for one injured person, $60,000 for a crash, and $25,000 for property damage.

Sources checked

Texas Transportation Code § 601.072 sets those three numbers and every Texas quote starts from them. The middle figure is a per-crash ceiling for bodily injury when two or more people are hurt, not a second per-person limit.

They are minimums, and they have applied to policies since 1 January 2011. One hospital stay or one late-model truck can exhaust any of the three, and everything above the limit is the at-fault driver’s own money.

What higher limits change, and where a personal umbrella starts, belongs to the auto insurance page.

Sources: Tex. Transp. Code § 601.072 — minimum coverage amounts; TDI — automobile insurance guide (CB020). Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Liability coverage Liability coverage is the part of an auto policy that pays other people for injury or damage the insured driver causes; it repairs nothing belonging to the insured.
  • Bodily injury liability Bodily injury liability is the part of an auto policy that pays other people for injuries the insured driver causes, up to a limit per person and a larger limit per crash.
  • Property damage liability Property damage liability is the part of an auto policy that pays for damage the insured driver causes to other people’s property, most often another vehicle.
  • Policy limits Policy limits are the most an insurer will pay under a given coverage, stated per person, per occurrence, or per policy period on the declarations page.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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