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Texas Auto Insurance

Having the right auto insurance policy can help protect you financially if you are involved in an accident or if your vehicle is damaged.

Choosing the right auto insurance coverage can be overwhelming. We've outlined the most common coverages options available to Texas drivers below. 

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What Do Auto Insurance Policies Cover?

Here are some of the most common coverages:

  • Liability Insurance helps pay for damages or injuries you cause to others in a car accident. It includes bodily injury coverage for medical expenses and lost wages, as well as property damage coverage for repairs to someone else’s vehicle or property.

Property Damage Liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).

Bodily Injury Liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.

Texas law requires minimum liability limits, but higher limits can provide better financial protection.

This coverage doesn’t pay for your own injuries or vehicle damage; it’s specifically for covering the other party in an accident where you’re at fault.

  • Uninsured / Underinsured Motorist Insurance helps protect you if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough to cover your damages.It can pay for things like medical bills, lost wages, and sometimes even car repairs.This coverage is optional in many states but can be crucial for financial protection, especially if you’re hit by a driver who isn’t properly insured.
  • Personal Injury Protection (PIP)helps cover medical expenses, lost wages, and other related costs if you or your passengers are injured in a car accident, regardless of who is at fault.
  • Collision Insurance helps pay to repair or replace your car if it's damaged in an accident, regardless of who is at fault. It covers damage from collisions with other vehicles, objects like poles or fences, or even potholes. You’ll pay a deductible, which is the set amount you cover out of pocket, and your insurance will handle the rest. This coverage is optional unless required by a lender or leasing company, but it’s helpful if your car is valuable or expensive to replace.

  • Comprehensive Insurance (Other Than Collision) helps pay to repair or replace your car if it's damaged by something other than a collision. This includes things like theft, vandalism, fire, floods, hail, or hitting an animal.Like collision coverage, it requires you to pay a deductible before your insurance covers the rest of the cost.Comprehensive coverage is optional but is often required if you’re financing or leasing your car, and it’s a good idea if you want extra protection against unexpected events.

How to Get Auto Insurance

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Insurance Select is committed to helping you find a policy to fit your specific needs.

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* Disclaimer: The information provided on this website is for general informational purposes only and does not constitute legal, financial, or insurance advice. Coverage options, terms, conditions, and exclusions vary based on individual circumstances and the policies issued. For specific details about your coverage, please refer to your policy documents or consult with a licensed insurance agent. Insurance Select is not responsible for any errors or omissions in the information provided or any actions taken based on it.