Auto Insurance

Having some level of auto insurance is mandatory in Texas, and there are minimum requirements and optional coverage for policyholders. To remain legally on the road, drivers must have basic liability insurance. However, those with a lien on their car who are making payments are often required by contract to have full coverage auto insurance.

Minimum Auto Insurance Requirements in Texas

Drivers are required to carry at least a liability coverage policy in Texas. The required state minimum amounts are $30,000/$60,000/$25,000. This covers $30,000 for bodily injury to one person per accident, $60,000 in coverage for bodily injury to two or more people, and $25,000 in property damage coverage per incident. Liability also provides legal defense funds should policyholders be sued during a covered accident.

Optional Texas Auto Insurance Coverage

Because anything can happen to your vehicle at any time, having some optional coverage is a good idea. Top options include:

• Comprehensive: Repairs autos when damaged due to non-accident-related incidences, such as glass breakage, theft, and vandalism.
• Collision: Repairs vehicles entirely when they are damaged by another vehicle or object.
• Uninsured/Underinsured Motorist: Protects drivers if the other party is at fault and doesn’t carry adequate insurance to cover the damages.
• Medical Benefits: Pays for medical expenses or funeral expenses, regardless of the party at fault.
• Personal Injury Protection (PIP): Can cover a portion of lost wages, pay for essential services, and cover medical expenses incurred due to an accident that results in injured parties.

Need Auto Insurance in Texas?

The Carolyn Weeks Agency in Texas offers both liability and full coverage auto insurance that meets the high standards held by the state of Texas. Contact one of our agents today for a free quote or to learn more about bundling policies to save big while protecting yourself and your assets.