Texas Auto Insurance Coverage
Compare policies using matching limits, deductibles and payment terms. A lower price can reflect a different level of protection.
Liability: your responsibility to others
Texas minimum auto liability limits are $30,000 for bodily injury per person, $60,000 per accident and $25,000 for property damage per accident, often written 30/60/25. Consider whether those limits would be sufficient for a serious accident.
Collision and comprehensive: your vehicle
Collision addresses covered collision damage to your car. Comprehensive addresses covered losses such as theft, hail or flooding. These coverages typically have separate deductibles. Review the policy’s terms and any financing requirements.
Texas SR-22 insurance
If DPS requires a financial responsibility filing, learn how the certificate differs from a policy, compare owner and non-owner options, and plan continuous coverage in our Texas SR-22 insurance guide.
Texas minimum car insurance requirements
Understand the separate 30/60/25 liability limits, compare higher limits, and distinguish state requirements from lender requirements in our Texas minimum car insurance guide.
Compare cheap car insurance in Texas
Compare policy limits, deductibles, discounts, and total costs in our cheap car insurance Texas guide.
Non-owner car insurance in Texas
If you borrow or rent cars without owning one, explore eligibility, coverage limits, rental-car gaps, and SR-22 filings in our Texas non-owner car insurance guide.
Medical and uninsured-motorist coverage
Ask how personal injury protection, medical payments and uninsured/underinsured motorist coverage would apply to your household. Compare the coverage offered and discuss any rejection forms before signing.
Compare the actual policy, not a label
“Full coverage” is not a promise that every loss is insured. Check the coverages listed, excluded drivers, vehicle use, deductibles and payment schedule.
Texas Department of Insurance: shopping for auto and home insurance