Auto Insurance in Texas
Understanding auto insurance in Texas
Auto insurance can help protect you financially after an accident, theft or other covered loss. The right policy depends on more than the vehicle you drive. Your household drivers, coverage limits, deductibles, lender requirements and the way you use your vehicle can all affect the options available to you.
Our role is to help make those choices easier to understand. We review the information you provide, explain available coverage and help you compare options from insurance companies we represent. Coverage, pricing and eligibility vary by company and applicant.
30/60/25
Texas drivers must be able to pay for accidents they cause. Most people meet this financial-responsibility requirement by purchasing liability insurance with at least $30,000 for each injured person, up to $60,000 per accident, and $25,000 for property damage per accident.
Minimum liability coverage pays for covered injuries or property damage you cause to other people, up to the policy limits. It does not pay to repair your own vehicle. Because a serious accident can cost more than the minimum limits, you may want to discuss whether higher limits are appropriate for your situation.
Coverage options to consider
Bodily Injury Liability
Helps pay covered medical expenses, lost wages and other damages when you are legally responsible for injuring someone in an accident.
Property Damage Liability
Helps pay to repair or replace another person's vehicle or property when you are responsible for the damage.
Collision Coverage
Helps pay to repair or replace your covered vehicle after a collision, subject to your deductible and the terms of the policy.
Comprehensive Coverage
Helps cover certain non-collision losses such as theft, vandalism, fire, hail, flooding or contact with an animal, subject to policy terms.
Uninsured/Underinsured Motorist
Can help after a covered accident involving a driver who has no insurance or not enough insurance. It may also apply to certain hit-and-run losses.
Personal Injury Protection
PIP can help pay covered medical expenses, lost income and certain non-medical costs for you and your passengers after an accident.
Rental Reimbursement
May help with the cost of temporary transportation while your covered vehicle is being repaired after a covered loss.
Towing and Roadside Assistance
May help with covered towing, battery service, flat-tire assistance or other roadside needs, depending on the policy.
Important Texas coverage note: Insurance companies must offer Personal Injury Protection and Uninsured/Underinsured Motorist coverage with a Texas personal auto policy. If you do not want either coverage, it generally must be rejected in writing.
What does “full coverage” mean?
“Full coverage” is a commonly used phrase, but it is not one specific insurance coverage or a guarantee that every loss will be covered. People often use the term to describe a policy that combines liability, collision and comprehensive coverage. A lender or leasing company may require collision and comprehensive coverage while it has a financial interest in the vehicle.
Every policy has limits, deductibles, conditions and exclusions. We can help you review the actual coverage selections instead of relying only on the phrase “full coverage.”
Who we help
Tran & Lee Insurance Agency assists Texas customers with many common auto insurance needs, including:
- Purchasing coverage for a first vehicle
- Adding a spouse, household member or newly licensed driver
- Replacing, adding or removing a vehicle
- Reviewing coverage before a renewal
- Insuring multiple vehicles in one household
- Exploring options after moving to Texas
- Understanding lender or lease coverage requirements
- Looking for available options after a lapse, ticket or accident
What can affect an auto insurance quote?
Insurance companies use their own rating and eligibility guidelines. Depending on the company and policy, a quote may be affected by factors such as:
- The drivers and vehicles in the household
- Driving history and prior claims
- Vehicle use, annual mileage and garaging location
- Selected limits, deductibles and optional coverage
- Prior insurance history
- Available discounts and policy combinations
Price is important, but it should be reviewed together with coverage limits, deductibles, exclusions, company service and the protection the policy is intended to provide.
Personal guidance before and after the policy is issued.
As an independent insurance agency, we can review options from multiple insurance companies we represent. We explain the differences in clear language, help you complete the application accurately and remain available for policy questions and service needs after the sale.
Understand limits, deductibles and options.
Review available choices from represented carriers.
Get help when vehicles or drivers change.
Frequently asked questions
What auto liability limits are required in Texas?
The current minimum limits are $30,000 for each injured person, up to $60,000 per accident, and $25,000 for property damage per accident. These minimum limits are commonly described as 30/60/25.
Does Texas require collision and comprehensive coverage?
Texas law does not generally require collision or comprehensive coverage, but a lender or leasing company may require them. These coverages help protect your own vehicle against different types of covered damage.
When should I add a new driver or vehicle?
Contact the agency as soon as possible when a household member begins driving, a teen receives a license, or you buy, sell or replace a vehicle. Coverage does not automatically apply in every situation, so timely notice is important.
Can you compare more than one insurance company?
As an independent agency, Tran & Lee can review available options from multiple insurance companies we represent. The companies available for a particular applicant depend on eligibility, location, driving history and other underwriting factors.
What information is helpful for an auto quote?
It is helpful to have the names and dates of birth of household drivers, driver license information, vehicle year, make, model and VIN, current coverage information, garaging address and an estimate of annual mileage. Please use a secure method requested by our team when sending sensitive information.
How do I request an auto insurance quote?
Complete our online quote request form, call (832) 224-2269, or text our office. A team member will follow up to gather any additional information needed.
Request your Texas auto insurance quote.
Tell us what you need to protect. Our team will review your request and contact you during office hours.
Coverage disclaimer: This page provides general information only and does not modify, extend or create insurance coverage. Coverage is subject to the terms, conditions, limits, deductibles and exclusions of the policy issued. Availability, eligibility and pricing vary by insurance company and applicant. Contact Tran & Lee Insurance Agency for coverage details and a formal quote.