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What Auto Insurance Covers
Liability
Pays for others' injuries and property damage you cause; Texas requires at least 30/60/25.
Collision
Repairs your vehicle after an accident.
Comprehensive
Theft, fire, flood, vandalism and hail, which matters in West Texas.
Personal Injury Protection
Medical bills and lost wages for you and your passengers; included unless you reject it in writing.
Uninsured/Underinsured Motorist
Protects you if the other driver has no or too little insurance.

Ways to Save
Bundle Home and Auto
Safe-Driver and Defensive Driving Discounts
Multi-Car Discounts
Safety and Anti-Theft Features
Frequently Asked Questions
What is the minimum car insurance in Texas?
Texas requires 30/60/25 liability: $30,000 per injured person, $60,000 per accident, and $25,000 for property damage.
Is the state minimum enough?
Often not. A serious accident can exceed those limits, and you can be responsible for the rest.
Does car insurance cover hail damage?
Yes, if you carry comprehensive coverage, minus your deductible.
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