Auto Insurance
Liability, collision, comprehensive, and roadside extras for drivers and families.
Auto insurance protects you financially when something goes wrong on the road — whether you cause a wreck, get hit by an uninsured driver, or come back to a dented car in the parking lot. Texas requires every driver to carry at least 30/60/25 in liability coverage, but the state minimum rarely covers the real cost of a serious accident. A well-built auto policy balances liability, physical damage on your own car, and the extras that keep one bad day from becoming a financial setback.
What's typically covered
Bodily injury & property damage liability (BI/PD)
Pays for the other driver's medical bills and vehicle damage when you're at fault. Texas minimum is 30/60/25 ($30K per person / $60K per accident / $25K property). Most drivers should carry at least 100/300/100.
Collision & comprehensive
Collision pays to repair or replace your vehicle after a crash, regardless of fault. Comprehensive covers everything else — hail, theft, vandalism, fire, flood, and animal strikes. Both come with deductibles you choose.
Uninsured / underinsured motorist (UM/UIM)
Roughly 1 in 7 Texas drivers is uninsured. UM/UIM steps in when the at-fault driver has no insurance or not enough to cover your injuries and vehicle damage.
Medical payments & PIP
Pays medical bills for you and your passengers after a covered crash, regardless of fault. PIP also covers a portion of lost wages. Both are optional in Texas but very inexpensive add-ons.
What's typically NOT covered
- Normal wear, tear, and mechanical breakdown
- Using your personal vehicle for delivery or rideshare without a rideshare endorsement
- Damage caused by racing or other illegal activity
- Intentional damage by the policyholder
- Custom equipment beyond a small built-in limit, unless scheduled
Common claim scenarios
At-fault collision on I-35
You rear-end a vehicle in stop-and-go traffic. The other driver has $40,000 in medical bills and a totaled $35,000 SUV. With 100/300/100 limits, your liability handles all of it; with state-minimum 30/60/25, you'd be personally exposed for the rest.
Hail on a parked vehicle
A spring hailstorm pockmarks your hood, roof, and trunk. Comprehensive coverage pays for paintless dent repair or a full re-paint, minus your comprehensive deductible. Hail claims generally don't raise your rate in Texas.
Hit-and-run in a parking lot
You come back to a crumpled bumper and no note. Uninsured motorist property damage (UMPD) pays to fix your car, often with a smaller deductible than collision.
What affects your price
- Driving record — at-fault accidents and tickets stay on your record 3–5 years
- Vehicle type, age, and safety features
- Annual mileage and primary use (commute, pleasure, business)
- Garaging ZIP code — urban ZIPs in DFW, Houston, and Austin run higher than rural ones
- Credit-based insurance score, where allowed
- Coverage limits, deductibles, and continuous prior coverage
How Klever Coverage helps
- We compare your auto across multiple carriers in one shot — not just one company's rate.
- We coach you to the right liability limits for your actual assets, not whatever the state minimum allows.
- We bundle with home, life, or trucking where it actually saves money — and tell you when it doesn't.
Frequently asked questions
What's 'full coverage' auto insurance?
It's not a real coverage type — it's shorthand for liability plus collision plus comprehensive. If you finance or lease your vehicle, the lender will require all three.
Is the Texas state minimum enough?
Rarely. A modern hospital stay or a totaled late-model vehicle blows past 30/60/25 quickly. We almost always recommend at least 100/300/100 plus UM/UIM.
Will my rate go up after a hail claim?
Generally no in Texas. Weather-related comprehensive claims are treated differently from at-fault collision claims by most carriers.
Do I need rideshare or delivery coverage?
Yes, if you drive for Uber, Lyft, DoorDash, Instacart, or similar. A personal auto policy excludes commercial use, which can void coverage during a delivery. A rideshare endorsement is usually inexpensive.
How fast can I get an auto quote?
Most clients have apples-to-apples quotes back from us the same business day. Use the instant quote tool to start.
Service areas
Local pages with city-specific information.
Related coverage
Most clients pair this policy with one or more of these.
Protect the place that holds it all together. Dwelling, contents, liability, and loss-of-use coverage.
24/7 roadside through our trusted partner — for autos and commercial trucks.
Auto liability, motor truck cargo, physical damage, and non-trucking liability.