Luke Faulkner

If you are wondering what car insurance costs in Texas in 2025, you might be noticing a real trend. Rates have shifted significantly over the past few years, leaving many Texas drivers unsure whether what they are paying is normal or excessive. The reality is that car insurance in Texas still costs more than the

If you’ve ever wondered “does car insurance follow the car or the driver in Texas?”, you’re not alone. As an insurance advisor in North Texas, I get variations of this question almost daily — especially when clients ask whether a spouse, teenager, friend, or out-of-town guest is covered to drive their vehicle. Here’s the simple

If you drive in Texas, uninsured motorist coverage is one of the most important — and most overlooked — protections on your auto policy. With an estimated 20% of Texas drivers uninsured according to the Texas Department of Motor Vehicles, the odds of being hit by someone with no coverage (or not enough) are higher

If you drive in Texas, you’ve probably heard of 30/60/25—the state’s minimum required auto liability limits. Most drivers know the numbers, but very few understand what they actually cover… or what happens when those limits run out. And make no mistake: in today’s Texas economy—where medical bills and vehicle costs are higher than ever—minimum liability