What is Required for Full Coverage Auto Insurance in Texas


If we asked you how much you understand car insurance, you wouldn’t be the only one to admit you really don’t know that much. That is why it’s so difficult to know for sure you have your car totally protected. Texas state requirements are nowhere near enough for many drivers. Do you have a lease? Do you live in a high-crime neighborhood? Do you live in an area prone to hurricanes and flooding? Is your car too expensive to replace if it were to be wrecked? All of these are examples of situations for you’re going to want to look into full coverage auto iInsurance in Texas.

What is Full Coverage Auto Insurance?

Full coverage auto insurance is a term that refers to a combination of coverage types that can protect your car in most situations, far more than the state minimum coverage would be able to. Full coverage car insurance is a combination of coverages that help protect your vehicle as best as possible.

Some coverages are required by state law in Texas. Others, which will be listed below, are optional. It’s up to you to choose car insurance that fits your needs and wants, always making sure your coverage meets both Texas state requirements and helps you protect your car based on your financial situation and lifestyle.

Minimum car insurance requirements vary from state to state. This means the car insurance coverages and limits that work for a friend or family member living in Florida or California might not be right for you. The state of Texas requires drivers to carry at least the following auto insurance coverages:

$30,000 bodily injury liability per person

$60,000 bodily injury liability per accident

$25,000 property damage liability per accident

While these are the minimum coverages the state requires you to have, everyone’s insurance needs are unique. The state minimum coverage won’t cover your injuries or car repairs, only damage or injuries you cause others. In order to truly have full coverage, you’ll need more than the state minimum. You may decide to opt for these optional coverage choices:

Collision coverage

Comprehensive coverage

Rental Reimbursements

Roadside Assistance

Personal Injury Protection (PIP)

Full Coverage Auto Insurance in Texas Through Pronto Insurance

You know that you need car insurance. Even if it were not mandated by the state of Texas (which it is!) it would still be the smart financial move to make. Pronto Insurance is here to help you find the right coverage for you, meaning the minimum requirements from the state of Texas as well as all the extras you need to feel you’re truly protected. All of this will be a price you’re happy with! You can customize your policy with the option to choose between our policy packages, 1,2,3, and 6 month terms.

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