Texas · Liability pays other people
Liability-only is 30/60/25, or higher limits you choose. It does not repair your car after a crash, a hailstorm, or a theft.
Bodily injury liability pays the other person’s medical bills and related claims, up to the per-person and per-accident limits. Property damage liability pays their car or their fence, up to that limit. Texas is a fault state, so this is the coverage the other driver claims against when you cause the wreck. The legal floor is $30,000 per person, $60,000 per accident, and $25,000 property damage. A judgment above the limit is still yours. There is no deductible on this part, because it is not a repair of your car.
The state checks this floor. A lender checks collision and comprehensive. Registration and TexasSure look for liability. A loan or a lease usually also requires physical damage, so a liability-only policy can be legal with the state and still a default with the bank. Collision is a crash. Comprehensive is theft, hail, flood to the car, vandalism, and many animal strikes. Those are separate purchases with their own deductibles. Uninsured motorist and PIP are also separate. Texas carriers offer them, and a rejection belongs in writing. Price moves with the limits you pick, the drivers, the record, where the car is garaged, and a credit-based insurance score. That score changes price, not what the policy pays. It is not a FICO score. This page will not invent an average premium.
The same split, from the other side: what Texas car insurance covers, liability versus full coverage, comparing the two, and comprehensive versus collision. The product page: Texas auto.
If the car is paid off, liability-only can be a real choice. If it is financed, read the loan before you drop collision. Ask an agent or get an auto quote.
