What's the minimum level of car insurance I need in Texas?
I want to spend as little money on car insurance as possible. I drive a cheap, older car and I don't care about fixing little dents here and there. What's the minimum level of insurance I need in Texas?
Answer
Thanks for the question! The state-minimum coverage in Texas is $30,000 per person and $60,000 per accident for bodily injury and $25,000 for property damage. This coverage pays for the other driver’s vehicle repair costs and medical expenses if you’re at fault.
However, it’s usually better to up your limits a little more as opposed to just having what’s required. This ensures that if there’s an accident, you have enough coverage to pay for legal or medical expenses, if needed.
Savannah Grabek
Answered on Mar 12, 2021
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