Every Auto Insurance Coverage, Explained.
A complete guide to the 18 coverages that make up a Texas auto insurance policy — what each one does, who needs it, and how it works in practice.
Liability Insurance
Required by Texas law — covers the other driver when you're at fault.
Full Coverage Insurance
Liability + collision + comprehensive — the package most lenders require.
Collision Coverage
Repairs your vehicle after a crash — regardless of who's at fault.
Comprehensive Coverage
Protects against theft, hail, vandalism, and animal strikes.
Personal Injury Protection (PIP)
Pays medical and lost-wage benefits for you and your passengers.
Medical Payments Coverage (MedPay)
Supplemental medical coverage for you and your passengers.
Uninsured Motorist Coverage (UM)
Protects you when the at-fault driver has no insurance.
Underinsured Motorist Coverage (UIM)
Bridges the gap when the at-fault driver's limits are too low.
Roadside Assistance
Towing, jump-starts, lockouts, fuel delivery — 24/7.
Rental Reimbursement
Pays for a rental car while yours is in the shop after a covered claim.
Gap Insurance
Pays the difference between your loan balance and your car's value.
Teen Driver Insurance
Affordable options for adding a new driver to your policy.
High Risk Driver Insurance
Coverage options for drivers with tickets, accidents, or lapses.
SR-22 Insurance
Texas certificate of financial responsibility — filed with the state.
Commercial Auto Insurance
Coverage for vehicles used in your business.
Rideshare Insurance
Fills the gap between your personal policy and Uber/Lyft coverage.
Classic Car Insurance
Agreed-value coverage for collector, antique, and modified vehicles.
Mexican Auto Insurance
Required coverage for driving into Juárez and beyond.
Request Your Personalized Auto Insurance Quote Today
Compare quotes from multiple top-rated carriers in minutes. No obligation, no pressure — just clear guidance from a local El Paso agent.