Texas Car Insurance

Need car insurance in Texas? Whether you live in the Panhandle or the Gulf Coast, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Texas auto insurance, so you only pay for what you need.

In Texas, it's illegal to drive without insurance. Drivers in Texas are required to have car insurance coverage for

• Bodily Injury to others
• Property Damage Liability

Here are the minimum auto insurance limits drivers must have in Texas.¹

"Full coverage" car insurance can mean different things to different people. Legally, in the state of Texas you're only required to have the state Liability minimums of 30/60/25.

However, "full car coverage" or "full coverage" is often thought of as having the state minimums and

• Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
• Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

We'll make sure you get the coverage you need in Texas when you get an online auto insurance quote.

Texas law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum coverages of

• Bodily Injury Liability: $30,000 per person and $60,000 per accident
• Property Damage Liability: $25,000 per accident

You may see this written as 30/60/25.

Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

No, Texas is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.

Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Texas drivers may want to consider additional coverages

• Personal Injury Protection (PIP)
• Uninsured Motorist Coverage

These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In Texas, drivers must opt out of these coverages in writing when buying a car insurance policy.

No. Uninsured/Underinsured Motorist Coverage is not required in Texas. Although, not required, these coverages can help protect you if you're in an accident with an underinsured or uninsured driver.

All Texas drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Texas car insurance to get the coverage that fits you.

Liberty Mutual knows that everyone has different needs for their Texas auto insurance. Some may want the cheapest Texas car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Texas car insurance, so you only pay for what you need.

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Getting the cheapest car insurance in Texas may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.³