Texas · One floor, then the choices
The legal floor is 30/60/25. It pays other people. PIP, uninsured motorist, collision, and comprehensive are separate decisions, and “full coverage” only means two of them.
Texas is a fault state. If you cause the wreck, your bodily injury liability pays the other person’s injuries up to $30,000 per person and $60,000 per accident, and your property damage liability pays their property up to $25,000. A judgment above that is still yours. Registration and TexasSure check this floor. They do not check collision. A gift or a new owner needs the policy in the new name. This page will not invent an average premium.
PIP pays you. It is not the 30/60/25 floor. Texas carriers offer personal injury protection and medical payments. PIP is the broader of the two. MedPay is a narrower medical benefit, not health insurance. A rejection belongs in writing. Do not assume PIP replaces a percentage of wages. Uninsured and underinsured motorist pays when the other driver has no insurance, or not enough. That is also offered, and a rejection also belongs in writing. “Full coverage” adds collision and comprehensive. Collision is a crash. Comprehensive is theft, hail, flood to the car, vandalism, and many animal strikes. The deductibles are separate. Rental, gap, roadside, UM/UIM, and PIP are not inside that phrase unless the declarations list them. A total loss is usually actual cash value unless a new-car, stated-amount, or gap endorsement applies. A credit-based insurance score changes price, not any of these coverages.
Read the pieces: what it covers, the policy facts, liability only, PIP, what full coverage means, and liability versus full coverage. Why it has to be in force before you drive: mandatory liability and registration. The product page: Texas auto.
Match every limit on the declarations before you compare the premium. Ask an agent or get an auto quote.
