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 provided by
Answered on Mar 12, 2021
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.
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
What is "zero depreciation" in car insurance?
What's this type of coverage called zero depreciation insurance? Is that something I can/should get?
Mar 12, 2021
"Do all auto loan lenders require five references? "
I thought my excellent credit score and good-paying job would be enough to get me approved for a car loan, but the application from my bank is asking for five references. Is this 100% necessary?
May 05, 2021
How can I change my auto insurance company's 50/50 liability decision in my claim?
I was in an accident where someone pulled into my lane from stopped traffic and I hit their car because I could not stop in time. My insurance adjuster said he will try to get the claim settled at 50/50, but I do not think that is right. How do I dispute this?
May 12, 2021