What Is Full Coverage Auto Insurance in Texas? (Explained Simply)

The term full coverage gets thrown around a lot, but what does it actually mean in Texas? If you are financing or leasing a vehicle, your lender probably requires it. Here is everything you need to know about full coverage auto insurance in Texas.

What Full Coverage Actually Includes

Full coverage is not actually a policy type — it is a combination of three coverages:

• Liability: Covers injuries and damage you cause to others (required by Texas law)
• Collision: Covers damage to your own vehicle in an accident
• Comprehensive: Covers non-collision damage (theft, vandalism, hail, fire, animals)

Texas Minimum Liability vs Full Coverage

Texas minimum liability covers: 0,000 per person / 0,000 per accident bodily injury, plus 5,000 property damage. But minimum liability does not cover your own car.

Full coverage adds collision + comprehensive, which protects your vehicle investment.

How Much Does Full Coverage Cost in Texas?

Full coverage in Texas averages ,800 to ,500 per year depending on your vehicle, driving record, and location. Austin drivers typically pay on the higher end due to urban traffic density.

Do You Need Full Coverage?

You need full coverage if:

• You have a car loan or lease
• Your car is worth more than ,000
• You cannot afford to replace your car out of pocket
• You want protection against theft, hail, and vandalism

You can drop full coverage if your car is worth less than ,000 and you own it outright.

Get a Full Coverage Quote in Austin

EZ Insurance Agency compares full coverage rates across 30+ carriers. Call (512) 444-4445 or get a free quote online.