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Do I need uninsured motorist coverage in Texas?

I’m getting ready to buy my first car and take on insurance payments, but I’m a little confused by my parents’ insurance policy. Is uninsured motorist coverage required in Texas?

avatar
Pat Roache · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on taking this next step into car ownership! Legally, you do not need uninsured motorist coverage in
Texas
. Instead, the
legal minimum requirements in Texas
can be summed up with 30/60/25:
Your parents may have chosen to add
uninsured motorist coverage
to their policy out of preference. It’s a smart move considering that about 14% of the state’s drivers are uninsured. You may want to follow suit to protect yourself from an accident with someone uninsured—especially if you live in an urban area.
You can get the best rate on this coverage and more when you shop for your new
car insurance
policy with the
Jerry
app. A licensed broker, Jerry can find you the cheapest rates for the policy you need in less than a minute. Download the app today and see how the average user saves over $800 a year on car insurance.
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