Texas requires every driver to carry liability insurance, but the right auto policy does much more than meet the minimum. Greenway compares quotes from more than 40 carriers to match coverage and price to how you actually drive, what you drive, and where you live.
What is auto insurance?
Auto insurance is a financial protection package that pays for damage you cause to others (liability), damage to your own vehicle (collision and comprehensive), and certain medical expenses after an accident. Texas drivers are required to carry minimum liability limits of 30/60/25.
Why you need it:
- Required by Texas law for every registered vehicle
- Required by every lender if your vehicle is financed or leased
- Pays for damage to other drivers, their cars, and their passengers
- Protects your own vehicle from collisions, theft, vandalism, and severe weather
- Provides medical coverage for you and your passengers
What it typically covers:
- Bodily injury and property damage liability
- Collision (damage from an accident)
- Comprehensive (theft, vandalism, weather, animal strikes)
- Uninsured / underinsured motorist coverage
- Medical payments and personal injury protection (PIP)
- Optional roadside assistance and rental reimbursement
Frequently asked questions:
What is the minimum auto insurance required in Texas?
Texas requires 30/60/25 liability coverage: $30,000 bodily injury per person, $60,000 per accident, and $25,000 in property damage.
Do I need full coverage on my car?
If your car is financed or leased, yes, collision and comprehensive are required. For older paid-off vehicles, full coverage may not be cost-effective.
Will my premium go up after a claim?
It depends on the type of claim. At-fault accidents typically affect rates more than not-at-fault claims, comprehensive claims, or weather-related losses.