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Midlothian, TX 76065

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How much auto insurance are Texas drivers legally required to carry?

Texas drivers who want to legally drive in the state of Texas are required to carry auto insurance that meets the state minimums. Our team at the Amy Tounget Insurance Agency LLC is committed to helping Midlothian, TX residents acquire the insurance they need to drive on Texas roads and freeways. Our team of knowledgeable licensed agents can help guide the process. 

Texas State Minimum Auto Insurance Requirements

Texas drivers are required to carry liability insurance that covers both bodily and property damage insurance. Bodily injury coverage must be carried in the amount of $30K per person and $60K per accident. Texas drivers are also required to carry $25K in property damage coverage. These coverage amounts must be carried at these minimums or greater in order to legally drive in Texas. 

Other Considerations

Texas drivers can also carry uninsured/underinsured motorist coverage as well. However, this coverage is optional and not required. Texas drivers should also note that they may be required to carry more than the state’s minimum coverage if they are leasing or financing a car.

Many lenders require car owners to carry full coverage insurance on a car that hasn’t been completely paid for. This ensures that the lender will be compensated for the loss of the car should something happen to the car before it’s been completely paid for. In situations like this, it’s not the state that will require more insurance, but the finance company or lender. This is how the lender protects their financial investment.

If you have other questions regarding how much insurance Midlothian, TX drivers must carry to legally drive, give us a call. Amy Tounget Insurance Agency LLC agents are standing by. 






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