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Auto Insurance - Texas

Texas Drivers: Choose Affordable Car Insurance in the Lone Star State

Texas has among the largest numbers of vehicles and drivers in the United States. It also has a multi-billion-dollar infrastructure system that ranges from urban interstates to indispensable rural routes. However, in part due to such statistics, vehicle accidents in Texas caused over 55,000 fatalities in 2016. That statistic puts the state solidly among the 25 most-dangerous states for car accidents.

So, whenever you hit the road in Texas, you must protect yourself. Having a targeted car insurance will help you do so. At Remco Auto Insurance, we can help all Lone Star State drivers get the cover that is most appropriate for their unique needs. 

What Is Car Insurance?

Whether you are driving on I-35 or one of Texas’ numerous county routes, there is always a chance that you might have trouble. Anything from accidents, to severe weather and even theft or carjacking might cause you and your vehicle harm. With car insurance, you’ll be able to financially protect yourself from the numerous driving hazards out there.

With your policy’s funding, you might be able to pay for:

  • Vehicle repairs resulting from multiple causes
  • A new vehicle if an accident totals your car
  • Injuries to both yourself and others
  • Property damage you cause to third party property
  • Rental cars, roadside assistance and towing services

And in many cases, your policy will offer a lot more protection. Coverage might save you a lot of trouble down the road, so, don’t hesitate to talk to a Remco agent about your precise policy needs today. 

What auto insurance is required in Texas?

Most Texas drivers will find various types of coverage tucked within their auto policy. Some of it you must carry. Other portions are optional, but still provide security after troublesome incidents.

Liability insurance: The State of Texas requires all registered drivers to carry this coverage. It will help you pay for the losses you cause to other parties if you are at-fault in an accident. It is a critical piece of consumer protection for everyone on the road. Most policies must contain coverage for bodily injuries and third-party property damage starting at*:

  • $30,000 bodily injury coverage per person
  • $60,000 bodily injury coverage per accident
  • $25,000 property damage coverage per accident

* All Texas auto policies will include the minimum limits. However, we recommend that most drivers carry liability limits of a much higher value. For example, $100,000 in injury damage will pay for must more costly losses than $30,000 alone.

Beyond the state’s requirements, drivers often have a wide range of optional coverage from which to choose. Each coverage element can help you insure yourself and your vehicle against a loss.

Collision Insurance: This coverage will pay for damage to your vehicle following a wreck. If you hit a utility pole, for example, collision insurance will pay for vehicle repairs.

Comprehensive Insurance: Your car not only faces damage risks from wrecks, but also from numerous environmental hazards. This coverage will pay for those damages. Often, vehicle damage from fire, theft, vandalism, weather and similar occurrences will have coverage under this section.

Medical Coverage: Pays for your medical bills and those of your passengers. Many Texas insurers offer a similar form of coverage called Personal Injury Protection (PIP) insurance.

Uninsured/underinsured Insurance: This coverage insures you against damage caused by someone else who doesn’t have liability coverage. For example, if you are a hit-and-run victim, coverage can pay for your own car’s repairs.

Don’t forget to ask your Remco agent about other coverage perks. You might be able to get specialized glass coverage, roadside assistance services and even reimbursement for rental vehicles


Looking for auto insurance? First, you should familiarize yourself with the basics of auto insurance.

Auto insurance is a contract between you and an insurance company that entails you paying a premium and the company paying for injury, loss or damages done to your or another person’s car.

Auto insurance coverage includes everything in your policy, which depends on the type of policy.

All information pertinent to your insurance policy is located on the declarations page, the front page of your policy. That page contains the exact name of your insurance company, your policy number, and the amount of your coverage and deductible.

The minimum coverage you must get based on your state’s financial responsibility law is called basic coverage. In Texas, minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage.

When you purchase insurance, you’ll get your insurance card, usually containing insurance company name, policy number, insured’s name, vehicle year, make, model and VIN number, liability coverage, what to do in the event of an accident and the claims phone number to call in the event of an accident.

Show this card if you’re asked to by a police officer, have an accident, register your car or renew its registration, get or renew your driver's license, and have your car inspected

There are several types of auto insurance. Liability Coverage covers medical and funeral costs, lost wages, compensation for pain and suffering, car repair or replacement costs and car rental for people in the other car involved in the accident.

Collision Coverage covers damages done to your car in a collision, while Comprehensive Coverage pays for car replacement or damages due to events other than collisions.

Medical Payments Coverage pays for medical and funeral bills regardless of who caused the accident, while Personal Injury Protection Coverage also pays for lost income and the cost of hiring a caregiver.

Uninsured/Underinsured Motorist Coverage covers your expenses form an accident caused by an uninsured, underinsured, or a hit-and-run driver.

Finally, Underinsured Property Damage Coverage covers your auto if the damage is done by an uninsured driver, and Underinsured Motorist Property Coverage covers damages done by an underinsured driver.

Call Remco today to get started at 1-877-325-4545!

Need Coverage Help?

At Remco Auto Insurance, we believe that accessibility makes the satisfied insurance customer. We are here to help you with auto policy services whenever you need them. Contact one of our agents for:

  • The lowest-priced quotes on a policy that comes tailored to you.
  • Coverage adjustments to change your policy’s financial limits, deductibles or to add special coverage elements.
  • Help enrolling in a Texas SR-22 policy. Some drivers need this form to maintain auto insurance. We’ll help you get one without hassle.

If you need to cancel your policy or switch coverage, we can walk you through the process. Since, you must always maintain auto coverage, we can help guarantee that you never face lapses in coverage.

We guarantee that your policy’s premium will remain affordable. We can work with some of the best auto insurers in Texas to help you pinpoint top-rated coverage without taking a bite out of your budget. You’ll never have to sacrifice effective coverage just to save on pricing.

Contact us today

Don’t hesitate to get a quote on a personalized auto insurance policy right now! Contact Remco Auto Insurance at 1-877-325-4545 or begin your quote above today. It’s fast, convenient and 100-percent no-obligation. 

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