Texas Auto Insurance

Texas requires all drivers to carry minimum liability coverage of at least $30,000 per injured person, $60,000 per accident, and $25,000 for property damage — commonly written as 30/60/25. These are the legal minimums, not recommended coverage levels. Most drivers benefit from higher limits to protect their personal assets in the event of a serious accident. Texas insurers are also required to offer Personal Injury Protection (PIP) and uninsured motorist coverage, which drivers may decline in writing.

For most Texas drivers, yes. Comprehensive coverage pays for damage caused by hail, flooding, fire, theft, and other non-collision events — all of which are common in Texas. The decision depends on the value of your vehicle, your deductible, and your area’s weather exposure. A vehicle worth $12,000 or more is almost always worth insuring comprehensively. If you’re financing or leasing, your lender likely requires it. Given the frequency and severity of Texas hail and flood events, comprehensive coverage often delivers more value here than in most other states.

If an uninsured driver causes an accident, your options depend on your own coverage. Uninsured motorist coverage (UM) pays for your vehicle repairs and medical expenses when the at-fault driver has no insurance. Without it, recovering damages from an uninsured driver typically requires a civil lawsuit — which takes time and may yield nothing if the driver has no assets. The Texas Department of Insurance recommends that drivers carry UM coverage specifically because of the state’s high uninsured driver rate. It’s one of the most practical coverages available for Texas drivers.

In most cases, yes. Texas’s minimum liability limits — set decades ago — do not reflect current medical costs or legal judgments. A serious accident involving significant injuries or fatalities can generate damages that exceed the state minimums within days. When that happens, the at-fault driver is personally responsible for the remainder. Common recommendations for drivers with assets to protect include at least $100,000/$300,000 in bodily injury liability and $100,000 in property damage. An umbrella policy can provide additional liability protection above those limits for a relatively modest additional premium.

Standard personal auto policies typically exclude coverage while you’re driving for a rideshare or delivery service. The rideshare company’s own coverage applies during certain phases of a trip, but there are gaps — particularly in the period after the app is activated but before you’ve accepted a ride or delivery. If you drive for any rideshare or delivery platform, it’s worth asking specifically about rideshare endorsements, which some carriers offer to fill this gap. Leaving it unaddressed can result in a denied claim at the worst possible moment.

Yes. We work with multiple carriers, which means we can compare coverage and pricing across different options rather than steering you toward a single company. Our focus is on finding coverage that fits your actual situation — not just the lowest premium. We’ll walk you through the differences in what each option covers, where the gaps are, and how to make a decision that holds up when you need to use it.