What type of auto insurance is required to legally drive in Texas?

People who wish to drive in the state of Texas are required to carry insurance. As with most states, all drivers are required to carry a minimum level of insurance that meets the Texas state minimum requirement. Plano, TX residents can entrust their insurance needs to Paragon Independent Insurance Agency. Our agents understand what’s required to drive in Texas. Liability insurance provides protection for all Texans who navigate the roads and freeways of Texas. 

Texas State Minimums

All Texas drivers are required to carry liability insurance. They must carry $30K in bodily injury insurance per person and $60K in bodily injury coverage per accident. Texas drivers are also required $25K in property damage coverage per accident. All Texas drivers are required to maintain liability insurance that meets at least these minimums. This liability insurance is also called  30/60/25 coverage. However, drivers can carry liability insurance at higher levels if they choose. One of our agents can help you to determine the best coverage levels for your specific situation. However, the above-listed minimum requirements must be met by all drivers. However, we encourage Texas drivers to ask questions if they are unclear about any of the insurance requirements that must be met to drive in Texas. 

Other Considerations

Texas drivers can also choose to carry uninsured motorist coverage and underinsured motorist coverage. However, it’s not required. Texas motorists can also carry collision and/or comprehensive coverage as well. Our team at Paragon Independent Insurance Agency can answer any questions that our Plano, TX customers have about what’s required to legally drive in Texas. Please give us a call. One of our licensed and experienced insurance agents is standing by to answer your questions. 

Commercial Insurance Requirements in Texas

In Texas, there are few requirements for commercial insurance on Texas businesses. However, there are many types of commercial insurance that could be helpful for your business, even if they aren’t required. If you have questions about commercial insurance in Texas, give us a call today at Paragon Independent Insurance Agency in Plano, TX. 

Commercial Auto Insurance

The one required type of commercial insurance in the state is commercial auto coverage for any car that your business owns. This coverage has to meet the state standards, having two different types of auto coverage in one policy. In addition to those, there are many optional types of auto coverage that are often recommended for vehicles in the state. These can be extremely helpful in the event of an accident.

The required portion of your commercial auto policy must include bodily injury liability insurance to cover other parties who are injured when your vehicle causes an accident. This requires at least one set amount for one person who is injured and another minimum amount for everyone who has injuries from the accident. It is also required that you have property damage liability. This pays for the damage to someone else’s property in the accident but not yours. If you want to have your vehicle covered in case it causes an accident, you need collision coverage, though this type isn’t required. 

Workers’ Comp

Workers’ compensation is required for businesses in most states, but in Texas, it is only required when you contract with the government. Otherwise, it is highly encouraged but not required. Workers’ compensation insurance pays for the medical bills and lost wages for your employees who get injured at work.

Commercial Insurance in Texas

If you need insurance for your business, contact us at Paragon Independent Insurance Agency in Plano, TX.