Personal Lines · Calculator, Comparison & Guide

Personal Auto Insurance: Calculator, Comparison Table & Guide

Compare Texas minimum limits against realistic exposure and umbrella needs.

Prong 1 · Interactive Calculator

Auto Limits & Gap Estimator

Compare Texas minimum limits against realistic exposure and umbrella needs.

Results
LineEstimate
Liability base —
Comp & collision —
UM/UIM —
Estimated annual premium —
Assets exposed above your BI limitA serious at-fault injury claim can exceed $300K. Umbrella closes this gap. —
Suggested umbrella limit —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

Auto Coverage Tiers

Minimum vs. standard vs. protected.

CriterionTexas Minimum (30/60/25)Standard (100/300/100)Protected (250/500 + Umbrella)
Bodily injury per person$30K$100K$250K + umbrella
Property damage$25K$100K$100K + umbrella
UM/UIMOptionalMatchingMatching
Rental / roadsideExcludedOptionalIncluded
OEM parts / new-car replacementExcludedOptionalOptional
Umbrella eligibilityExcludedYes (min 100/300)Included
Best fitNobody, reallyMost driversHomeowners, professionals
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

Personal Auto in Texas & Florida: Limits, UM/UIM, and the Minimum-Coverage Myth

Texas minimum is 30/60/25. A totaled Tesla is $50K. Do the math.

Why minimums fail

30/60/25 hasn't changed meaningfully in years while medical costs and vehicle values doubled.

  • $25K property damage doesn't cover a new pickup
  • $30K per person is exhausted by one ER visit and surgery
  • Judgments follow you: wages, assets, future

UM/UIM is the coverage for other people's mistakes

~20% of Texas drivers are uninsured; Florida is worse. UM/UIM pays your injuries when they can't.

  • Match UM/UIM to your liability limit
  • Florida PIP ($10K) is not enough
  • Stacking rules differ by state

Rates in 2026

Auto rates rose 15%–25% in 2023–2025. Levers you control:

  • Bundle with home
  • Telematics for good drivers
  • Higher comp/collision deductibles ($1,000)
  • Drop collision on vehicles worth < $5K

Frequently Asked Questions

Is my rideshare driving covered?

Not by a standard personal policy. Add a rideshare endorsement or the gap between periods 1–3 is uninsured.

Does full coverage mean everything is covered?

'Full coverage' isn't a term in any policy. It usually means liability + comp + collision. Rental, roadside, and gap are separate.

What does an umbrella require?

Usually 250/500/100 auto and $300K homeowners liability underlying limits.

Related: car insurance Houston · personal auto Texas · auto insurance quotes

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your personal auto exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.