What car insurance coverage do I need?

By the Quiet Quotes editorial team. Last reviewed November 3, 2026. General education, not advice about any specific policy.

1. Is your car financed or leased?

Yes No, it is paid off

2. Roughly what is your car worth today?

Under $5,000 $5,000 to $15,000 Over $15,000

3. Could you repair or replace your car out of pocket if it were wrecked?

Yes No

4. Do you own a home or have savings you would want to protect from a lawsuit?

Yes No

5. Do you have health insurance?

Yes No

6. Do you need your car every day, with no other way to get around?

Yes No

This quiz needs JavaScript. The short answer without it: Texas requires 30/60/25 liability; keep PIP and uninsured motorist coverage unless you have a reason not to; add collision and comprehensive if your car is financed or you could not replace it yourself.

How the checklist works

Liability is the only coverage Texas law requires: at least 30/60/25 (Transportation Code 601.072). It pays for harm you cause to others, never your own car.
PIP and uninsured motorist coverage come with every Texas policy unless you reject them in writing (Insurance Code 1952.152 and 1952.101).
Collision and comprehensive pay to fix or replace your own car. Lenders usually require them; otherwise, it depends on what your car is worth to you.
Gap, rental and roadside are optional add-ons. Whether they are worth it depends on your loan, your routine and what you already have.

Full details: Texas liability car insurance requirements. Teen drivers: Texas teen and young driver guide.

Questions

What car insurance is required in Texas?

Liability coverage of at least 30/60/25: $30,000 per injured person, $60,000 per crash for injuries, and $25,000 for property damage. PIP and uninsured motorist coverage are included unless you reject them in writing.

Do I need full coverage on a paid-off car?

Texas law does not require collision or comprehensive. It is worth comparing if you could not easily repair or replace the car yourself. Lenders and leasing companies usually require it until a car is paid off.

Does this quiz save or send my answers?

No. The checklist is worked out by code running in your browser. Nothing is sent to us or anyone else, and nothing is saved.