Texas Auto Insurance: Built for the roads you actually drive.

Texas requires liability coverage of at least $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage, written as 30/60/25.

That satisfies the law (Texas Transportation Code §601.072), but in a state where the average new truck costs more than $45,000 and a short hospital stay can pass six figures, the minimum runs out fast in a real accident on I-20 or I-30. Whatever the policy doesn't cover, you can be pursued for personally.

No. Texas is an at-fault, or tort, state. The driver who causes an accident is responsible for the injuries and property damage that follow, and their liability coverage pays those claims. Texas uses modified comparative negligence with a 51 percent bar: you can recover only if you were 50 percent or less at fault, reduced by your share.

That's exactly why liability limits matter so much here. Causing a serious accident with thin limits puts your personal assets in the path of the claim.

Full coverage is industry shorthand, not a legal term. It usually means liability plus collision (crash damage to your own car) and comprehensive (hail, flood, theft, vandalism, glass, fire, animals), and in a well-built policy, uninsured/underinsured motorist coverage too.

Lenders require collision and comprehensive on any financed or leased vehicle. On a car you own outright, whether full coverage still makes sense depends on what the car is worth, and we'll run that math with you honestly.

Legally it's optional, but practically it's one of the most important coverages on the policy. Roughly one in seven Texas drivers carries no insurance, and many more carry only the 30/60/25 minimum.

UM/UIM steps into the at-fault driver's shoes and pays for your injuries, and with UM property damage, your car. Texas insurers must offer it; declining requires written rejection, and we almost never recommend signing one.

Personal Injury Protection pays your own medical bills and lost wages after an accident, regardless of fault. Texas insurers must include at least $2,500 of PIP in every policy unless you reject it in writing.

If you carry strong health insurance, declining is defensible. If your health coverage is thin or your deductible is high, PIP is inexpensive protection against the gap that matters most when someone in the car is actually hurt. We'll walk through which side of that line you're on.

Yes, if your policy includes comprehensive coverage, minus your deductible. DFW is among the most hail-prone metros in the country, and a single spring storm can total a car in the driveway, the apartment lot, or the stadium parking lot.

A liability-only policy pays nothing for hail, theft, or flood. If your car parks outside anywhere in the Metroplex, comprehensive is worth every dollar.

Yes — under comprehensive coverage. A flooded vehicle is a comprehensive claim on your auto policy, not a claim on any flood policy. In Arlington, flash flooding hits fast along Johnson Creek, Rush Creek, Village Creek, and low-water crossings, and a car that stalls in moving water can be totaled in minutes. Turn around, don't drown.

Note the split: your car's flood damage is auto comprehensive; your home and belongings need a separate NFIP flood policy, which is available through our agency. One more reason the whole plan belongs with one team.

Statewide, full coverage typically runs roughly $2,100 to $2,700 a year depending on whose data you read, with minimum coverage well under half of that. Within DFW, your ZIP code, commute, and where the car is parked all feed into the price, alongside traffic density, theft, and hail claims.

Your record, vehicle, and household drivers all move the number too, which is why an average tells you very little. Ballpark yours with our rate estimator, then call for the real quote.

It can. Texas allows insurers to use credit-based insurance scores as one rating factor, alongside your driving record, vehicle, and ZIP code.

What you control is everything around it: keeping a clean record, choosing the right deductible, bundling policies, and sitting down with us once a year to make sure every discount you qualify for is applied. That annual review is part of what a local agent is for.

Generally no. Personal auto policies exclude driving for hire, and the platform's own coverage is thin during the window when your app is on but no ride or delivery is accepted.

Ask us about rideshare coverage availability; where it's offered, an endorsement can close that gap. If you drive for any app, even occasionally, tell us before you need a claim, not after.

Your lender or leasing company will require collision and comprehensive in addition to liability, and often caps your deductible at $500 or $1,000.

Gap coverage deserves a serious look on newer vehicles. If the car is totaled while you owe more than it's worth, gap pays the difference, so you're not making payments on a car that no longer exists. Once your loan balance drops below the car's value, you can drop it.

The biggest levers, roughly in order: bundle auto with your home or renters policy, ask for an annual coverage and discount review, raise your deductible if you have savings to cover it, drop collision on a car that isn't worth much anymore, and make sure every discount you qualify for is actually applied.

What doesn't work is quietly cutting your liability limits. That saves a few dollars a month and exposes everything you own. There's almost always a smarter place to trim, and finding it is literally what we do.

Tell us where the car is actually kept. A student driving a household car is often listed on the family policy, but where the car is garaged during the semester, whether it's titled to the student, and who drives it all affect how it should be written.

Good student discounts may be available for eligible drivers, and campus-area parking means comprehensive for theft, vandalism, and hail deserves a close look. Call (817) 262-5300 and we'll set it up correctly.