Car Insurance Companies in Texas

In the United States, the minimum car insurance coverage requirement can vary from state to state. Carrying the right amount of state-minimum auto insurance coverage is key to protecting yourself and others on-the-road while keeping your vehicle street legal.

State Auto Insurance Requirements in Texas

Each individual state sets its own requirements when it comes to minimum auto insurance coverage. Texas requires that all drivers carry at least $30,000 in liability insurance for each person injured in an accident for a total of up to $60,000 in coverage per accident. In terms of property damage coverage, drivers are required to carry a minimum of $25,000 per accident. This is commonly referred to as basic 30/60/25 coverage, though additional coverage options and higher limits are available.

According to Texas state law, drivers are required not only to carry this minimum amount of auto insurance coverage, but to provide proof of coverage upon request by a police officer.

Comprehensive Auto Insurance

Texas state law does not require drivers to carry comprehensive or collision coverage, though it may be recommended that you purchase this additional coverage for your added protection and peace of mind. Specifically, comprehensive coverage is meant to protect against damage to your car caused by things like storm damage, vandalism, and even theft. If you have a vehicle that you're making payments on there's also a good chance that your auto lender will require you to carry a certain amount of comprehensive coverage.

Collision Insurance Coverage

In addition to comprehensive coverage, your auto lender might also require you to carry collision coverage. This type of coverage is specifically designed to protect you against costs related to car accidents. Whether you accidentally back your car into a telephone pole or get into a fender bender, collision coverage will help to pay for necessary repairs to your vehicle. Having this coverage in place can provide you with added peace of mind and protection. After all, accidents can happen anywhere and at any time.

Learn More

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