Texas · The floor is 30/60/25
Liability pays other people. Collision and comprehensive pay your car. They are not the same purchase.
Texas requires $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage. That is the legal floor, confirmed in TDI’s auto guide. It does not repair your car, pay your medical bills, or cover a driver who has no insurance. Texas is a fault state. The at-fault driver’s liability is what the other person claims against. Registration checks that a vehicle has liability. It does not check collision.
“Full coverage” means liability plus collision plus comprehensive. Collision is a crash. Comprehensive is theft, hail, flood to the car, vandalism, and many animal strikes. The deductibles are separate. A total loss is usually actual cash value unless a new-car, stated-amount, or gap endorsement is on the declarations. Mechanical wear is neither collision nor comprehensive. Rental, gap, roadside, uninsured motorist, and PIP are extra. If they are not listed, they were not bought. Texas carriers offer UM/UIM and PIP. A rejection belongs in writing. PIP pays you. It is not the 30/60/25 floor. MedPay is a narrower medical benefit, not a substitute for health insurance.
Read the pieces next to each other: what Texas car insurance covers, liability versus full coverage, liability only, comprehensive versus collision, how limits work, and how much to carry. The hub is car insurance in Texas.
Match the limits on the declarations before you compare the premium. Ask an agent or get an auto quote.
