Texas auto insurance, at a glance
Texas operates on a financial responsibility standard: every driver must demonstrate the ability to pay for damages they cause. For nearly all drivers, that means carrying a liability auto insurance policy meeting the state's 30/60/25 minimum — $30,000 bodily injury per person, $60,000 total bodily injury per accident, and $25,000 property damage per accident.
Minimum limits are a legal floor, not a recommendation. Average vehicle values, medical costs, and litigation outcomes all routinely exceed minimum limits. Most El Paso drivers we work with carry at least 100/300/100 — and homeowners or higher-asset households generally carry more.
Building the right policy
A complete auto policy in Texas is typically built from these components. Each one solves a different problem.
Required by Texas law — covers the other driver when you're at fault.
Liability + collision + comprehensive — the package most lenders require.
Repairs your vehicle after a crash — regardless of who's at fault.
Protects against theft, hail, vandalism, and animal strikes.
Pays medical and lost-wage benefits for you and your passengers.
Supplemental medical coverage for you and your passengers.
Protects you when the at-fault driver has no insurance.
Bridges the gap when the at-fault driver's limits are too low.
Towing, jump-starts, lockouts, fuel delivery — 24/7.
Pays for a rental car while yours is in the shop after a covered claim.
Pays the difference between your loan balance and your car's value.
Affordable options for adding a new driver to your policy.
Coverage options for drivers with tickets, accidents, or lapses.
Texas certificate of financial responsibility — filed with the state.
Coverage for vehicles used in your business.
Fills the gap between your personal policy and Uber/Lyft coverage.
Agreed-value coverage for collector, antique, and modified vehicles.
Required coverage for driving into Juárez and beyond.