Why the Texas State Minimum Auto Insurance Coverage Might Not Be Enough

If you’re driving in Texas, the law requires that you carry a minimum amount of auto insurance. But just because it's legal doesn't mean it’s enough to fully protect you.

Texas' state minimum requirements are:

• $30,000 for bodily injury per person

• $60,000 for bodily injury per accident

• $25,000 for property damage

At first glance, this might seem like sufficient coverage—but in reality, it often falls short when an accident actually happens. Here’s why relying on minimum limits can be risky:

1. Medical Bills Can Exceed Limits

A trip to the ER or surgery after a serious accident can easily run up bills well beyond $30,000 per person. If your insurance doesn't cover it, you’re on the hook for the difference.

2. Vehicles Cost More Than $25,000

Many new and even used vehicles on the road today are worth more than the $25,000 property damage limit. If you total someone’s car, minimum coverage might not pay for the full repair or replacement.

3. Lawsuits Happen

If your policy doesn’t fully cover the damage, the other party can sue you personally for the remaining amount. This could affect your savings, your home, even future income.

4. The Cost Difference Is Small

The good news? Increasing your coverage doesn’t always mean a huge increase in premium. For just a few extra dollars a month, you can get significantly better protection.

The Bottom Line:
The minimum auto insurance is the legal floor—not a safety net. It’s meant to get you on the road, but not necessarily to keep you financially secure in a serious accident.

If you're unsure whether your current coverage is enough, let’s talk. We can review your policy and help make sure you're properly protected.

Auto insurance in Victoria, TX doesn't have to be complicated. Call, click, or text for a quote today!