Liability coverage
Liability insurance is required in many states. It can pay for damage you cause to another driver’s vehicle and medical expenses for other drivers or passengers when you are at fault.
Auto Insurance
Car insurance that helps protect your finances after an accident.
Auto insurance can cover damage to vehicles, medical expenses, theft, vandalism, roadside needs and rental reimbursement depending on the coverage you choose.
- Liability to full coverage
- Same-day SR-22 filings
- Quotes in about 2 minutes
30/60/25
Texas minimum liability limits
About car insurance in Texas
Texas drivers must be able to pay for accidents they cause.
Car insurance is a way to protect yourself from the financial burdens that often accompany car accidents. Depending on the coverage you buy, it can help pay for damage to your vehicle, medical expenses, damage and medical care for others, and repair or replacement if your car is vandalized, broken into or stolen.
CMGA is based in Houston and serves drivers across Texas. Texas drivers are required to show proof that they can pay for damages from accidents they cause. Many drivers do this by carrying liability insurance. Texas minimum liability limits are commonly listed as $30,000 for injuries per person, $60,000 per accident, and $25,000 for property damage.
Insurance requirements vary by state and policy. Talk with an agent if you are unsure which coverage applies to your situation.
Types of auto insurance
Common coverages available through an auto policy.
This page summarizes the core coverage categories. For a deeper comparison of limits, deductibles and optional add-ons, see the coverage options guide.
Collision coverage
Collision coverage can help pay to repair or replace your own vehicle after an accident, even though it is not required in most states.
Comprehensive coverage
Comprehensive coverage can help with damage outside of an on-road crash, including fire, flood, vandalism, natural disasters, theft, flying rocks and other unexpected events.
Medical payments coverage
Medical payments coverage can help pay medical expenses for you and passengers in your vehicle after an accident. It can also apply if you are hurt while riding in someone else’s vehicle, walking, running or biking.
Personal injury protection
Personal injury protection, often called PIP, is broader than medical payments coverage because it may also reimburse lost wages and certain nonmedical costs tied to an auto accident. Availability and requirements vary by state.
Uninsured/underinsured motorist
This coverage can protect you when the at-fault driver has no insurance, does not have enough insurance, or leaves the scene after a hit-and-run.
Towing and labor
This optional coverage can help with towing after an accident and roadside assistance needs such as jump starts or tire changes.
Rental reimbursement
Rental reimbursement can help pay for a rental car if your vehicle is not drivable after an accident or is stolen, subject to the policy’s limits.
Policy coverage
What most auto policies cover, and what they usually exclude.
Exact coverage differs by policy. The lists below are general guidelines from the live CMGA page and should be confirmed against your policy documents.
Most Constitution car insurance policies can cover
- Car repair costs, medical bills, funeral costs, lost wages and pain or suffering for other drivers and passengers after accidents you cause.
- Damage to private property such as buildings, fences, signs, trees, displays and traffic lights.
- Accidents that happen while you are driving a rented vehicle, when your policy applies.
- Car accidents that happen outside your home state, subject to policy terms.
- Legal fees from car accident cases tied to accidents you cause.
- Damage to your own vehicle after an accident if you carry collision coverage.
- Damage from natural disasters, fires, theft or animal collisions if you carry comprehensive coverage.
Most Constitution auto policies do not cover
- Driving for a ride-hailing service like Uber or Lyft without the right coverage.
- Delivering food or other items for payment without the right coverage.
- Driving vehicles you do not own and do not have permission to use.
- Accidents outside the United States.
- Driving a company car under a personal policy.
- Sanctioned racing events or racetrack use.
- Intentional damage, including purposely bumping, ramming or brake-checking.
- Items inside the vehicle that are not a permanent part of the vehicle.
Special cases
Rental cars, borrowed cars, Mexico and young drivers.
Am I covered if I drive someone else’s car?
It depends on the vehicle and policy. Rental cars are typically covered by your own auto liability policy, but you should check with your agent. Borrowed cars can be covered by the owner’s policy when you have permission, with your policy potentially applying if the owner’s limits are not enough.
If you do not own a car but regularly borrow one with permission, a non-owner liability policy may cover damage or injuries you cause as a driver of a borrowed vehicle. It will not cover damage to the borrowed vehicle.
Can I drive in Mexico with car insurance?
Most U.S. auto insurance policies will not cover you while driving in Mexico because Mexican auto laws and insurance requirements differ from the United States. Contact your agent before driving into Mexico.
Car insurance for young drivers
Young drivers are statistically riskier than drivers with five or more years of experience, so coverage can cost more. Many parents add children to their own policies because that is often the least expensive option.
If a child lives away from home, such as at college, tell your insurer. If the car is mainly kept in another city or outside Texas, your rate could change.
Pricing
How car insurance rates are determined.
Auto insurance rates are based on risk. An underwriter may consider a combination of driver, vehicle and location factors when setting a fair rate.
Age
Driver age is a major rating factor because risk patterns differ by age bracket.
Driving record and claim history
Accidents, tickets and past claims help underwriters estimate future claim risk.
Vehicle location
Where the car is kept can affect risk because theft, traffic and claim patterns vary by area.
Vehicle type
Performance vehicles, luxury vehicles and cars with high repair costs often cost more to insure.
Vehicle use
Commuting, business use and occasional use can carry different risk levels.
Credit history
Where allowed, credit-based insurance information may be one factor used to help price a policy.
Auto insurance questions
Answers before you quote.
What does car insurance cover?
Coverage depends on the policy. Liability can cover damage and injuries you cause to others. Collision can cover your vehicle after an accident. Comprehensive can cover theft, fire, flood, vandalism and other non-collision losses.
What auto liability limits are required in Texas?
Texas drivers must be able to pay for accidents they cause. Many drivers do this with liability insurance. Texas minimum liability limits are commonly described as 30/60/25: $30,000 bodily injury per person, $60,000 bodily injury per accident and $25,000 property damage per accident.
Am I covered if I drive someone else’s car?
It depends on the vehicle and policy. Rental cars may be covered by your own auto liability policy. Borrowed cars are often covered by the owner’s policy when you have permission, with your policy potentially applying if limits are not enough.
Can I drive in Mexico with my auto insurance?
Most U.S. auto policies do not cover driving in Mexico because Mexican auto laws and insurance requirements are different. Contact your agent before driving into Mexico.
How are auto insurance rates determined?
Rates can reflect age, driving record, claim history, vehicle location, vehicle type, vehicle use and, where allowed, credit-related insurance information.
Ready to be covered?
Get an auto insurance quote with CMGA.
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