Johnson Insurance
Car Insurance in Texas
Using top-rated carriers and an experienced team, Johnson Insurance can provide Texas residents with the right car insurance coverage.
What is car insurance?
Driving vehicles inherently involves some degree of risk. Most Texas drivers will eventually be in an accident if they drive long enough, and plenty of other things can happen to a car.
Car insurance offers important financial protections if there’s an accident. It’s no substitute for seatbelts and safe driving, but is essential if something still happens on the road.
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Who in Texas needs to carry auto insurance?
Texas state law generally requires that all drivers on public roads have auto insurance. Better protections than what the law minimally requires are strongly recommended.
The state’s minimum requirements are normally a 30/60/25 policy, which refers to the minimum limits that drivers need:
- $30,000 of injury liability insurance per person
- $60,000 of injury liability insurance per accident
- $25,000 of property damage liability insurance per accident
In addition to the state’s requirements, lenders often also have their own requirements when drivers lease or finance. Lenders typically require collision coverage, comprehensive coverage and gap coverage. Together, these three generally cover the vehicle and any additional loan balance in case the vehicle is totaled during an accident.
Again, however, most drivers shouldn’t get just what’s required. An insurance agent who specializes in auto policies can help drivers choose coverages and limits based on their needs, and not just what other parties say they must have.

What types of coverages do auto insurance policies make available?
Auto insurance isn’t a one-size-fits-all product, and there’s no one set of coverages that every policy has. Policies usually meet state requirements and offer additional protections. Some of the protections they may make available are:
- Personal Injury Coverage: Might apply if the driver or passengers within the insured vehicle sustain injuries due to a collision or other event.
- Medical Expense Coverage: Might apply if the driver or passengers in the insured vehicle have medical bills for care related to their injuries.
- Bodily Injury Coverage: Might apply if other motorists, passengers, or pedestrians sustain injuries in an accident involving the insured vehicle.
- Comprehensive Coverage: Might apply if the insured vehicle incurs damage from non-collision events like theft, fire, hitting animals and falling trees.
- Collision Coverage: Might apply if the insured vehicle incurs damage from an accident, which is usually defined as involving at least one other vehicle.
- Gap Coverage: Might apply if the insured vehicle is totaled, and the value of the vehicle doesn’t cover the full balance on a car loan.
- Property Damage Liability Coverage: Might apply if there’s damage to another vehicle, person’s property or business’s property during a collision.
- Underinsured/Uninsured Motorist Coverage: Might apply if a collision is caused by a driver who’s not properly insured.

Do auto insurance companies base rates on credit scores?
Insurance companies make use of many data points when calculating premiums for auto policies. In Texas, credit score is indeed often one of the numbers they consider. Drivers with lower scores may be assessed higher rates than otherwise similar drivers with higher credit scores.
Drivers with low credit scores should shop around to find the lowest rates they can get while still retaining the coverages they need (and so too should drivers with high credit scores). An independent insurance agent can help compare customized quotes from several insurance companies.
What’s SR-22 auto insurance?
An SR-22 isn’t actually a type of auto insurance, but rather a document that shows a driver has auto coverage that at least meets the state’s minimum requirements.
The Department of Public Safety may require high-risk drivers to submit an SR-22. It might have to be submitted if a driver has a DUI conviction or has been ticketed for reckless driving, for example.
For drivers who need to submit an SR-22, shopping around with an independent insurance agent is especially important. These drivers usually pay higher premiums, which makes comparing rates from different insurers all the more important. An agent can also assist with getting an SR-22 document.

How can drivers get car insurance in Texas?
If you need help finding good insurance for a vehicle that’s registered in Texas, contact the independent insurance agents at Johnson Insurance. Our dedicated agents will work closely with you to identify coverage needs, and then help you find the best and most affordable policy that meets those coverage needs. Together, we can make sure you’re well-protected when on the road.
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