Personal Auto Insurance
Liability, collision, comprehensive, uninsured motorist, and medical coverage for personal vehicles.
Who Needs It
- Every driver in Texas and Florida
- Households with teen drivers
- Anyone with assets above the state minimum limits
What It Covers
- Bodily injury and property damage liability sized to your assets
- Collision and comprehensive
- Uninsured/underinsured motorist
- Medical payments (TX) or PIP (FL)
- Rental reimbursement and roadside
What It Does Not Cover
- Business use beyond incidental
- Ride-share driving without the endorsement
- Custom equipment above the sublimit
- Intentional acts
Texas Notes
State minimum is 30/60/25, far below what a serious accident costs. Hail is the top comprehensive claim; UM/UIM matters given uninsured-driver rates.
Florida Notes
Florida requires only $10K PIP and $10K property damage, among the lowest in the country; bodily-injury liability is optional by statute but essential in practice.
Personal Auto Insurance Questions We Hear Most
What limits should I carry?
At least 100/300/100, and 250/500 if you own a home or have savings. Pair with an umbrella for $1M+ in protection at low cost.
Does my policy cover my teen?
Household drivers must be listed. An unlisted teen driver is the fastest route to a denied claim.
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Start My Quote All coverage guides →This guide is general education from a licensed independent agency, not legal advice or a promise of coverage. Every policy is governed by its own forms, endorsements, limits, and exclusions. Ask us to review the actual form before you rely on it.