Bodily Injury Liability Limits Available in Texas
Texas Required Liability Limits
Bodily Injury
$30,000 per Person
$60,000 Per Accident
Property Damage
$25,000
Next Level
Bodily Injury
$50,000 per Person
$100,000 Per Accident
Property Damage
$50,000
Better Than Most
Bodily Injury
$250,000 per Person
$500,000 Per Accident
Property Damage
$100,000
Minimum Recommended Liability Limits
Bodily Injury
$100,000 per Person
$300,000 Per Accident
Property Damage
$100,000
What is the most liability coverage I can get on my car?
Combined Single Limits (CSL’s) combines coverage limits to give you the most dollar protection for bodily injury and property damage for one claim.
Limits available
$300,000 CSL
$500,000 CSL.
$1,00.000 CSL
What the three numbers mean
Texas auto liability limits are written as three numbers, for example 100/300/100. The first is the most the policy pays to any one person you injure. The second is the most it pays for all injuries in one accident, no matter how many people are hurt. The third is the most it pays for the other party's property, which in practice means their vehicle. Anything above those numbers is yours to pay, and a judgment can reach your wages, savings and non-homestead property.
Why 30/60/25 is a bad bet for most Longview households
A new pickup runs $50,000 to $80,000, so a single at-fault accident on Loop 281 can exhaust the $25,000 property damage limit before anyone is hurt. One emergency room visit with imaging can pass $30,000. Most households that own a home or have steady income carry 100/300/100 or 250/500/100, and the price difference between minimum limits and 100/300/100 is usually $15 to $40 a month because the first dollars of coverage are the expensive ones, not the last.
How much do higher limits cost?
Going from 30/60/25 to 100/300/100 commonly adds $15 to $40 a month on a clean record in Longview; going from there to 250/500/100 adds less again. Above that, a personal umbrella adds $1,000,000 for roughly $150 to $300 a year and usually requires 250/500 underlying limits. Price ranges are illustrative; your premium depends on the carrier, drivers and vehicles.
Ready to compare? See our auto insurance page or request a quote.
Reviewed by Greg Williams, Texas-licensed independent insurance agent and owner of Greg Williams Insurance Agency, Longview, TX. Last reviewed October 2026.