San Antonio drivers know the roads can get busy — from I-35 congestion to heavy traffic near Joint Base San Antonio and the growing suburbs. But do you know exactly what car insurance the state requires you to carry?
Texas follows a 30/60/25 minimum liability coverage rule:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
This is often called 30/60/25 coverage. It pays for damages and injuries you cause to others if you're at fault. Texas also offers Personal Injury Protection (PIP) at $2,500 by default (you can reject it in writing).
Why minimum coverage often isn’t enough in San Antonio:
- Medical bills and vehicle repairs in Texas easily exceed these limits in moderate accidents.
- With many uninsured or underinsured drivers on local roads, experts recommend higher liability limits like 100/300/50 or more.
- If you finance or lease your vehicle, your lender will require collision and comprehensive coverage.
Pro Tip for Locals: Keep proof of insurance in your car at all times (digital is fine). Failing to show it during a stop can lead to fines, vehicle impoundment, or license issues.
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