Texas car insurance for The Roads You Drive

Texas requires liability coverage of at least $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage, written as 30/60/25.

That satisfies the law, but in a state where the average new truck costs more than $45,000 and a short hospital stay can pass six figures, the minimum runs out fast in a real accident. Whatever the policy doesn't cover, you can be pursued for personally.

No. Texas is an at-fault, or tort, state. The driver who causes an accident is responsible for the injuries and property damage that follow, and their liability coverage pays those claims. Texas uses modified comparative negligence with a 51 percent bar: you can recover only if you were 50 percent or less at fault, reduced by your share.

That's exactly why liability limits matter so much here. Causing a serious accident with thin limits puts your personal assets in the path of the claim.

Full coverage is industry shorthand, not a legal term. It usually means liability plus collision (crash damage to your own car) and comprehensive (hail, flood, theft, vandalism, glass, fire, animals), and in a well-built policy, uninsured/underinsured motorist coverage too.

Lenders require collision and comprehensive on any financed or leased vehicle. On a car you own outright, whether full coverage still makes sense depends on what the car is worth, and we'll run that math with you honestly.

Legally it's optional, but practically it's one of the most important coverages on the policy. Roughly one in seven Texas drivers carries no insurance, and many more carry only the 30/60/25 minimum.

UM/UIM steps into the at-fault driver's shoes and pays for your injuries, and with UM property damage, your car. Texas insurers must offer it; declining requires written rejection, and we almost never recommend signing one.

Personal Injury Protection pays your own medical bills and lost wages after an accident, regardless of fault. Texas insurers must include at least $2,500 of PIP in every policy unless you reject it in writing.

If you carry strong health insurance, declining is defensible. If your health coverage is thin or your deductible is high, PIP is inexpensive protection against the gap that matters most when someone in the car is actually hurt. We'll walk through which side of that line you're on.

Yes, if your policy includes comprehensive coverage, minus your deductible. Texas recorded more major hailstorms than any other state in 2024, and a single spring storm can total a car in the driveway.

A liability-only policy pays nothing for hail, theft, or flood. Texas is one of the most hail-prone states in the country, so if your car parks outside anywhere from Amarillo to San Antonio, comprehensive is worth every dollar.

Yes — under comprehensive coverage. A flooded vehicle is a comprehensive claim on your auto policy, not a claim on any flood policy. Rising water totals thousands of Texas vehicles in a bad storm year, from Hill Country low-water crossings that can rise in minutes to flooded freeways like those around Houston during Hurricane Harvey. Turn around; never drive into moving water.

Note the split: your car's flood damage is auto comprehensive; your home and belongings need a separate flood policy. One more reason the whole plan belongs with one team.

It depends on your profile far more than on any average. Published statewide averages vary widely depending on the source, and none of them is what you'll pay. Minimum-limit policies cost less than full coverage, but they also protect far less.

Your record, credit, vehicle, ZIP code, commute, and household drivers all move the number, which is why an average tells you very little. Ballpark yours with our rate estimator, then call for the real quote.

Yes. Texas allows insurers to use credit-based insurance scores, and the effect on your premium can be as large as a ticket.

Credit is only one factor, weighed alongside your driving record, vehicle, and where the car is kept. Your free annual coverage review is a good time to make sure the rest of your profile — drivers, vehicles, mileage, and discounts — is current.

Generally no. Personal auto policies exclude driving for hire, and the platform's own coverage is thin during the window when your app is on but no ride or delivery is accepted.

A rideshare endorsement closes that gap for a modest premium. If you drive for any app, even occasionally, tell us before you need a claim, not after.

Your lender or leasing company will require collision and comprehensive in addition to liability, and often caps your deductible at $500 or $1,000.

Gap coverage deserves a serious look on newer vehicles. If the car is totaled while you owe more than it's worth, gap pays the difference, so you're not making payments on a car that no longer exists. Once your loan balance drops below the car's value, you can drop it.

Call us before the move, not after. Auto insurance is written for where the car is garaged, and every state sets its own minimums: Texas requires 30/60/25, and your next state may require different limits or coverages like PIP.

When your orders come through, update your policy address and tell us where the cars will live. Coming to Texas from another state? We'll help you set up Texas coverage that meets the 30/60/25 minimum and actually fits your family.

Talk with us before you leave. A car parked in storage while you're deployed has different risks than one on the highway every day, and there may be options to adjust your coverage while it sits.

Don't simply cancel the policy: a parked car can still be damaged by hail, flooding, or theft, and a gap in coverage can follow you when you come home. We'll walk through what makes sense for your situation.

The biggest levers, roughly in order: bundle auto with your home or renters policy, ask about Allstate's Drivewise® safe-driving program, raise your deductible if you have savings to cover it, drop collision on a car that isn't worth much anymore, and make sure every discount you qualify for is actually applied.

What doesn't work is quietly cutting your liability limits. That saves a few dollars a month and exposes everything you own. There's almost always a smarter place to trim, and finding it is literally what we do.