Coverage — Auto Insurance

Texas Auto Insurance That Protects What You Can’t Afford to Lose

Texas minimum liability limits leave most drivers dangerously exposed. We find the coverage that actually protects you at a competitive rate.

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Texas minimum liability: 30/60/25. That means $30,000 per person, $60,000 per accident, $25,000 property damage. In a serious accident involving medical bills or a newer vehicle, these limits are exhausted quickly — leaving you personally liable for the rest. We explain this in plain English and help you choose limits that actually protect you.

Coverage Components

Auto insurance is made up of multiple coverage types. We explain each one and help you choose the right combination for your vehicle and situation.

Liability Coverage

Pays for bodily injury and property damage you cause to others in an accident. Required by Texas law. We explain why state minimums are often insufficient and how to choose the right limits.

Collision Coverage

Pays to repair or replace your vehicle after an accident regardless of who was at fault. Important if you have a loan, lease, or a vehicle worth protecting.

Comprehensive Coverage

Covers non-collision damage — theft, hail, flood, fire, animal strikes. Especially important in Texas where severe weather events are common year-round.

Uninsured Motorist

Protects you if you’re hit by a driver with no insurance or insufficient coverage. Texas has a high rate of uninsured drivers — this coverage matters.

Medical Payments (MedPay)

Pays medical bills for you and your passengers after an accident regardless of fault — quickly, without waiting for liability to be determined.

Roadside Assistance & Rental

Affordable add-ons covering towing, flat tires, lockouts, and rental car reimbursement while your vehicle is being repaired after a covered loss.

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We shop multiple carriers and come back with options — usually same day. No obligation.

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