Auto Insurance in Texas

Whether you're commuting into Houston, running errands around Friendswood, or driving through communities near Clear Creek and Stevenson Park, Charles Rohden Insurance Agency can help you find auto insurance that fits your vehicle, your budget, and the way you drive.

Texas Auto Insurance Requirements

Every driver in Texas must carry liability coverage that meets the state's 30/60/25 minimum: $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 for property damage. These limits keep you legal, but they may not go far enough after a serious crash. Our agents can help you decide whether to raise your limits or add coverage that protects you, not just the other driver.

What your policy protects. Liability coverage pays for the other driver's medical bills and vehicle repairs when you are at fault, but it does not pay for your own vehicle or injuries. Collision coverage fills that gap by paying to repair or replace your car after an accident, while comprehensive coverage protects your vehicle from non-collision events like theft, fire, or storm damage. Medical payments coverage helps pay medical bills for you and your passengers no matter who caused the accident, and uninsured motorist coverage steps in when the other driver carries no insurance at all.

Car Insurance Coverage Options in Texas

We shop multiple carriers to build a policy that matches how you drive, including:

1. Liability coverage for bodily injury and property damage
2. Collision coverage for repairs after an accident
3. Comprehensive coverage for theft, hail, and weather damage
4. Uninsured and underinsured motorist coverage
5. Personal injury protection and medical payments coverage
6. Roadside assistance and rental reimbursement

Bundling saves you money

Combine your auto policy with home insurance, umbrella, or boat coverage through our agency, and you may qualify for a multi-policy discount, along with safe driver, good student, and low mileage discounts depending on your carrier.