Texas Codes

Tex. Transp. Code § 601.072 (2026)

Minimum Coverage Amounts; Exclusions

✓ current as of May 2026

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Sec. 601.072. MINIMUM COVERAGE AMOUNTS; EXCLUSIONS.

(a) Expired.

(a-1) Effective January 1, 2011, the minimum amounts of motor vehicle liability insurance coverage required to establish financial responsibility under this chapter are:

(1) $30,000 for bodily injury to or death of one person in one collision;

(2) $60,000 for bodily injury to or death of two or more persons in one collision, subject to the amount provided by Subdivision (1) for bodily injury to or death of one of the persons; and

(3) $25,000 for damage to or destruction of property of others in one collision.

(b) The coverage required under this section may exclude, with respect to one collision:

(1) the first $250 of liability for bodily injury to or death of one person;

(2) the first $500 of liability for bodily injury to or death of two or more persons, subject to the amount provided by Subdivision (1) for bodily injury to or death of one of the persons; and

(3) the first $250 of liability for property damage to or destruction of property of others.

(c) The Texas Department of Insurance shall establish an outreach program to inform persons of the requirements of this chapter and the ability to comply with the financial responsibility requirements of this chapter through motor vehicle liability insurance coverage. The commissioner, by rule, shall establish the requirements for the program. The program must be designed to encourage compliance with the financial responsibility requirements, and must be made available in English and Spanish.

Acts 1995, 74th Leg., ch. 165, Sec. 1, eff. Sept. 1, 1995.

Amended by:

Acts 2007, 80th Leg., R.S., Ch. 1298 (S.B. 502), Sec. 1, eff. September 1, 2007.

Acts 2023, 88th Leg., R.S., Ch. 709 (H.B. 2190), Sec. 68, eff. September 1, 2023.

Notes of Decisions

Cited in 15 cases, 1996–2017 · leading case: Critchfield v. Smith, 151 S.W.3d 225 (Tex. App. 2004).

Sort: Relevance Newest Treatment

Critchfield v. Smith, 151 S.W.3d 225 (Tex. App. 2004). “Tex. Transp. Code Ann. § 601.072 (Vernon 1999).”

Sidelnik v. Am. States Ins. Co., 914 S.W.2d 689 (Tex. App. 1996). · cites it 2× “06-1(1), (3) (West 1981); Tex.Transp.Code Ann. § 601.072 (West 1996).”

Mid-Century Ins. Co. of Texas v. Kidd, 997 S.W.2d 265 (Tex. 1999). “06-1(3), (4)(a) (stating that UM/UIM overage may not be offered in amounts less than those prescribed in the Texas Motor Vehicle Safety-Responsibility Act for liability); Tex. Transp. Code § 601.072 (prescribing minimum liability coverage of $20,000 per person and $40,000 per…”

Am. States Ins. Co. of Texas v. Arnold, 930 S.W.2d 196 (Tex. App. 1996). · cites it 2× “Laws 1210 , 1211, 1220 (repealed 1995) (current versions at Tex Trans. Code Ann. §§ 601.072(a)(1), 601.”

Nationwide Ins. Co. v. Elchehimi, 249 S.W.3d 430 (Tex. 2008). · cites it 2× “002 of the Transportation Code is persuasive, if not controlling.”

Hanson v. Repub. Ins. Co., 5 S.W.3d 324 (Tex. App. 1999). “Laws 1025 , 1710 (currently codified at Tex. Transp. Code Ann. § 601.072 (Vernon 1999)).”

Greenwell v. Davis, 180 S.W.3d 287 (Tex. App. 2005). “See Tex. Transp. Code ANN. § 601.072 (Vernon 1999).”

Charida v. Allstate Indem. Co., 259 S.W.3d 870 (Tex. App. 2008). “See Tex. Transp. Code Ann. § 601.072 (a)(1) (Vernon 1999).”

Urrutia v. Decker, 992 S.W.2d 440 (Tex. 1999). “See Tex. TRAnsp. Code § 601.072 (prescribing minimum liability protection of $20,000/$40, 000/$15,000).”

Johnson v. State Farm Mut. Auto. Ins. Co., 520 S.W.3d 92 (Tex. App. 2017). “Laws 4365, 4365 (codified at Tex. Transp. Code § 601.072(a-1)(1)). . Jerry disputes that this provision is a "family member exclusion” and contends that it is a health care exclusion instead.”

Bartley v. Guillot, 990 S.W.2d 481 (Tex. App. 1999). “See Tex. Transp. Code Ann. § 601.072 (Vernon 1999).”

Jorge L. Sanchez v. State, 137 S.W.3d 860 (Tex. App. 2004). “*864 Laws 1025, 1871 (now codified at Tex. Transp. Code Ann. § 601.072 (Vernon 1999)).”

Show all 15 citing cases →

— Tex. Transp. Code § 601.072(a) — 2 cases

Washington v. Avis Rent A Car (5th Cir. 2002).

Mitzie F. Tarin & Maria Flores v. Eliazer Benavides, Belinda Benavides, Enrique Rubio, Corina Rubio, & Leland v. Maples (Tex. App. 2014).

— Tex. Transp. Code § 601.072(a)(1) — 1 case

Am. States Ins. Co. of Texas v. Arnold, 930 S.W.2d 196 (Tex. App. 1996). “Laws 1210 , 1211, 1220 (repealed 1995) (current versions at Tex Trans. Code Ann. §§ 601.072(a)(1), 601.”

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