Texas Auto Insurance: What’s Actually Required vs. What’s Recommended 

Understanding auto insurance requirements and options is essential for every Texas driver. Navigating the difference between what’s legally mandated and what may be optional can be confusing. Our team is here to help you make informed choices.

What Auto Insurance Is Required?

Texas law requires all drivers to carry a minimum amount of auto liability coverage. These parts of an auto insurance policy can help pay for losses and expenses arising from accidents you cause. Specifically, you’ll need a policy that includes the following:

• Bodily injury liability coverage for medical costs and other losses incurred by other people following an accident you caused
• Property damage liability coverage to help third parties repair or replace property-related losses for which you’re at fault

Still, while complying with these minimums may allow you to legally drive, they may not fully protect you financially in a serious accident. If damages exceed your policy limits, you could be responsible for the remaining costs out of pocket.

Recommended Coverages for Texas Drivers

While meeting the state minimums is mandatory, the team at Xpress Insurance often recommends additional coverages to better cover you and your vehicle. Consider the following:

• Collision coverage can help pay for repairs to your car after an accident.
• Comprehensive coverage can financially protect against noncollision events like theft, fire, flooding or vandalism.
• Uninsured/underinsured motorist coverage can help you recoup losses if someone else is at fault but lacks adequate liability coverage.
• Personal injury protection may assist with medical expenses and other losses accrued by you and your passengers after an accident, regardless of fault.

Why Consider More Than the Minimum?

Choosing only legally required coverage may leave you financially vulnerable. Additional coverages can provide more robust financial protection. Furthermore, you may be subject to additional mandates. For example, if you have an auto loan, your lender may require collision and comprehensive coverage until you’ve paid off your vehicle.

Let Us Help You Find the Right Coverage

Contact us today to discuss your auto insurance needs and find the right policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.