Auto insurance is required by Law

Texas law requires people who drive to pay for the accidents they cause. If you're buying car insurance in Texas, the law requires you to have the following minimum amounts of liability coverage:

  • $30,000 for bodily injury liability per person injured in an accident you cause
  • $60,000 for total bodily injury liability when two or more people are injured in an accident you cause, and
  • $25,000 for property damage per accident you cause.

This basic coverage—known as "30/60/25" coverage for short—pays the medical bills, property damage bills, and other costs of drivers, passengers, and pedestrians who are injured or have their vehicle damaged in a car accident you cause, up to coverage limits.

How does auto insurance work?

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:

  • Liability (required by law)
  • Collision
  • Comprehensive

Additional protection may include:

  • Medical Payments
  • Emergency Road Service
  • Uninsured Motorist Protection

... and more. Ask us what endorsements we offer to better protect you and your assets.


If you are caught driving without insurance, the penalties can include hefty fines, driver’s license suspension, jail time, and mandatory SR-22 filing with the state DMV, depending on the state and situation. For repeat offenders, the consequences of driving without insurance are even more severe. 

Carefully considering the position you may be in, if you should ever be in an accident, is equally important. Without insurance, you can be held liable for the cost of car repairs and medical bills which can put you under huge financial stress.


Navigating the variety of options for your auto insurance is simple with the Liberatore Insurance Group. We have teamed up with top insurance companies to bring you expert insurance advice, service, and products. As independent agents, we have the freedom to shop for the best coverage and price to meet your specific needs. Together, we’ll go over the options for your vehicle and discuss the special discounts or bundle packages you may qualify for.

Why we're different:

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy.

Contact us today, and we'll work with you to help you protect what matters most.


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