What's the minimum level of car insurance I need in Texas?

Answered by Home Insurance, Car Insurance Expert Savannah on February 22, 2021

I want to spend as little money on car insurance as possible. I drive a cheap, older car and I don't care about fixing little dents here and there. What's the minimum level of insurance I need in Texas?

expert avatar


Home Insurance, Car Insurance Expert

Thanks for the question! The state-minimum coverage in Texas is $30,000 per person and $60,000 per accident for bodily injury and $25,000 for property damage. This coverage pays for the other driver’s vehicle repair costs and medical expenses if you’re at fault.

However, it’s usually better to up your limits a little more as opposed to just having what’s required. This ensures that if there’s an accident, you have enough coverage to pay for legal or medical expenses, if needed.

Car Insurance

Have an insurance question?

Our insurance agents are ready to help you, for free.

Ask your question, it’s 100% free
Thousands of customers saved on average $887/year on their car insurance with Jerry
This app is great, but the customer service is even better! Not to mention convenient! My husband and I got the lowest rate (much lower than the rates I was finding online through my own searches), quickly, and pretty much all through text message! Thank you so much for a hassle free experience👍
Gabriella R.
Find savings (100% Free)
stars4.6/5 Rating on App Store