Texas Auto Insurance: What You Actually Need (And What You Don't)

Texas law requires every driver to carry minimum liability insurance. But here's what most people don't realize: the legal minimum is dangerously low.

The Texas Minimum: 30/60/25

Texas requires what's called “30/60/25” coverage:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury
• $25,000 for property damage

Sounds like a lot? It's not. A single ER visit can exceed $30,000. If you cause an accident and the other driver's medical bills are $80,000, you're personally on the hook for the remaining $20,000.

What We Actually Recommend

At Leizon Agency, we typically recommend at least 100/300/100 for most Texas families. It costs surprisingly little more per month and protects you from devastating out-of-pocket costs.

Don't Skip Uninsured Motorist Coverage

Texas has one of the highest rates of uninsured drivers in the country — roughly 1 in 5 drivers on Texas roads has no insurance. Uninsured/underinsured motorist (UM/UIM) coverage protects YOU when the other driver can't pay.

How to Save Without Cutting Corners

• Bundle home + auto — most carriers offer 10-25% discounts
• Maintain a clean driving record — even one ticket can raise your rate
• Ask about all discounts — good student, military, multi-vehicle, paperless billing
• Shop multiple carriers — that's exactly what we do for you