Auto insurance · Texas
Auto insurance with limits that actually protect you
Texas requires liability coverage, but the state minimum rarely matches what’s at stake. We compare carriers and help you set limits that fit how and what you drive.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a auto policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Liability
Bodily injury and property damage you’re responsible for in an accident. Required in Texas.
Personal injury protection (PIP)
Medical bills and lost wages for you and your passengers, regardless of fault.
Uninsured / underinsured motorist
Protects you when the at-fault driver has little or no insurance.
Collision
Damage to your vehicle from a collision, subject to your deductible.
Comprehensive
Theft, hail, flood, fire and other non-collision damage to your vehicle.
Rental, towing and glass
Optional add-ons that keep you moving after a covered claim.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Drivers who have “full coverage” but state-minimum liability
- Households adding a teen driver
- Anyone with recent claims or tickets who wants a fresh comparison
- Drivers who want home and auto reviewed together
- Non-owners who drive borrowed or rented cars
Texas auto requirements
- Texas requires minimum liability limits of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage (often written 30/60/25).
- Insurers must offer personal injury protection (PIP) and uninsured/underinsured motorist coverage. If you don’t want them, you must reject them in writing.
- Minimum limits can leave you exposed after a serious accident. We’ll show you what higher limits look like.
Source: Texas Department of Insurance, auto insurance guide. Reviewed Oct 2026. (opens in a new tab)
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
What is the minimum auto insurance required in Texas?
Texas requires minimum liability limits of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage (30/60/25), per the Texas Department of Insurance. Higher limits are often needed. Coverage depends on your policy.
Is “full coverage” enough?
“Full coverage” usually means comprehensive and collision for your own car. It says nothing about your liability limits, which protect you if you injure someone or damage their property.
Do I have to buy PIP in Texas?
Insurers must offer it, and it’s included unless you reject it in writing. The same applies to uninsured/underinsured motorist coverage.
How often should I compare auto rates?
At least at each renewal, and sooner after a ticket or claim ages off your record, you move, or you add a driver or vehicle.
Can you insure a driver who doesn’t own a car?
Often, yes. A non-owner policy can provide liability coverage for people who regularly drive cars they don’t own.
Ready to review your auto coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.