Texas auto · Comparing quotes
Compare the same limits. A cheaper quote is often a smaller policy.
Texas requires at least $30,000 per person and $60,000 per crash for injuries, and $25,000 for property damage. That floor is liability only. It does not repair your car. A quote at 30/60/25 with no collision will always look cheaper than one with 100/300, collision, comprehensive, and uninsured motorist. They are not the same product.
What each piece pays: what Texas car insurance covers. Why the floor exists: when it became mandatory. The state guide: TDI auto guide and car insurance tips.
What people accidentally drop
Uninsured motorist pays you when the other driver has no insurance. It is not collision. Rental reimbursement and gap are endorsements. “Full coverage” does not include them unless they are listed. A teen on the policy changes the price because the driver changed, not because the comparison was unfair. Insurance for teens. A work truck is commercial, not a personal quote: commercial auto.
How companies build the number, in Spanish: cómo deciden qué cobrar.
