Texas requires minimum auto insurance coverage of 30/60/25 — that’s $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage. But is that really enough?
In most cases, the minimum is not enough. A single serious accident can easily exceed those limits, leaving you personally responsible for the difference. Medical bills, lost wages, and property damage add up fast.
We typically recommend at least 100/300/100 coverage for Texas drivers. The cost difference between minimum and higher limits is often surprisingly small — sometimes just $10-20 more per month for significantly better protection.
Uninsured/underinsured motorist coverage is also critical in Texas. About 14% of Texas drivers are uninsured. If one of them hits you, UM/UIM coverage pays for your injuries and damages.
Comprehensive and collision coverage protect your own vehicle. Comprehensive covers non-collision events like hail, theft, and flooding (relevant in Texas!). Collision covers damage from accidents regardless of fault.
At Wesley K. Smith Insurance, we shop 30+ carriers to find you the best combination of coverage and price. Texas drivers consistently save when they let us compare rates. Call (855) WesleyK for your free quote.