Texas Auto Insurance Policy Requirements

Q: What is in a basic Texas auto insurance policy?
A: There are several kinds of insurance coverage that can be added to your Texas auto insurance policy:

  1. Liability Coverage
    1. Liability insurance is comprised of two types, so that people and property are addressed separately:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is a mandatory in Texas. Texas law states that in order to legally drive, you have to possess this minimum of liability in your auto insurance policy:
      1. 20/40/15” (Texas’s minimum auto insurance requirement)
      2. $20,000 for injury/death to one person.
      3. $40,000 for injury/death to more than one person.
      4. $15,000 for damage to property.
    3. Leased vehicles have liability minimums of a different amount.
  2. Collision Coverage is mandatory if you are paying off your vehicle. Otherwise, collision is just recommended as a component of a Texas automobile insurance policy.
  3. Comprehensive Coverage is again a state requirement if the vehicle is financed. If the vehicle is paid for then it is recommended that you add comprehensive to your Tennessee auto insurance policy, though it is not mandatory.
  4. Medical Payments Coverage is not mandatory, but is suggested, for a Texas auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is another optional yet recommended option for your automobile insurance in Texas.
  6. Personal Injury Protection (PIP) Coverage is not a required addition to your automobile insurance policy.
  7. Other Policy Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Texas a No-Fault state?
A: No, Texas is not a no-fault state.

Q: How can I get a discount on a Texas auto insurance policy?
A: Find out if you may qualify to lower the cost of your auto insurance policy by checking our list of auto insurance discounts.

Q: Where can I find more information about Texas auto insurance?
A: For more information on Texas insurance check these authoritative sites:
  1. Texas Insurance Resources
    1. The Texas Department of Motor Vehicles (DMV) manages crime records and issues driver’s licenses, among other driver services.
    2. The Texas Department of Insurance (TDI) helps create a secure environment for the insurance industry.
  2. National Insurance Resources

CLICKinsure proudly provides its brokerage services to Texas, the Lone Star State, one of the biggest in the country in terms of population, land area, and economy. From the Port of Houston to the Mexican border at El Paso, and from the plains of the Panhandle to the banks of the Rio Grande, we provide coverage for all of the state’s 254 counties. We welcome residents in any city, including Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, to please consider CLICKinsure as your auto insurance broker.