Car Insurance
Tomball, TX

Texas law requires all drivers to carry liability insurance with the following minimum limits:

• $30,000 for bodily injury per person

• $60,000 for bodily injury per accident (if more than one person is injured)

• $25,000 for property damage

Yes, even if your car is not being driven, you are still required to maintain the minimum liability insurance to legally park it on public roads in Texas. However, if you don’t drive your vehicle, you can file for a non-operation status with the Texas Department of Motor Vehicles (DMV) to avoid penalties.

Driving without insurance in Texas can result in fines, driver's license suspension, and vehicle impoundment. Repeat offenders may face higher fines or be required to obtain an SR-22 certificate to prove financial responsibility.

No, Texas does not require Personal Injury Protection (PIP) insurance, but it is available as an optional coverage. PIP covers medical expenses and lost wages for you and your passengers in the event of an accident, regardless of fault.

If you are caught driving without insurance, you may be fined up to $350 for a first offense. Additional offenses can result in even higher fines, and you may also face suspension of your driver's license and registration.

Paying for your car in full removes the need for a loan, but Texas law still requires you to maintain liability insurance coverage. Even if you own the car outright, you must have proof of insurance.

While the state only requires liability insurance, the state hihly recommends that you consider additional coverage - like comprehensive, collision, and uninsured/underinsured motorist coverage to protect yourself financially in the event of an accident or damage to your vehicle.

If you have personal auto insurance, it may extend to cover rental cars. However, if you don’t have coverage, you may be able to purchase insurance directly through the rental company. Always confirm with your provider before renting a car.