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How Much Auto Insurance is Needed in Texas?

Based in Lubbock Texas, our team understands the insurance needs of our customers. There are state minimum requirements, and then there are policies that adequately protect your personal vehicle, family and other drivers.

Texas requires drivers to pay for accidents they cause, and can include:

  • Liability coverage – to pay for losses you cause others, or;
  • No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or;
  • Both liability and no-fault coverage.

About Car Insurance in Texas.

Texas drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to pay for the risk of an accident. To finance or lease a car, it is usually necessary to have insurance which covers damage to your vehicle. There are two main policy options.

Collision Insurance

Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance

Comprehensive Insurance (Other than Collision) Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.