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Will the Texas state minimum cover me enough if I am involved in an accident?
"My new job has me moving to Texas in the next month or so. I am doing a little research on car insurance and it looks like I am required to carry lower limits than I have previously. Does this mean the lower limits in Texas are enough to cover me in an accident?"
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Great question!
Every state is different and they have different law and insurance requirements. The minimum standards set by the state only means this is the lowest you can carry. It is not a recommendation of what limits will cover you best.
Texas has required auto insurance
liability limits
of 30/60/25. The recommendation for most drivers to be appropriately covered in most situations is 100/300/50. This means that bodily injury liability
will pay up to $100,000 per person and up to $300,000 per occurrence. The property damage liability
will pay up to $50,000 per occurrence. Selecting the proper levels of insurance is essential and must be tailored to fit your life. If you have a lot of assets like a home, high earning potential, 401K, retirement plans, etc., you may want to carry higher than the recommended limits. If you have fewer assets, then the limits of 100/300/50 might work well for you.”
View full answer
- Gregory R.
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