Personal Lines · Auto
Car insurance in Plano: what Texas requires, and what it doesn't.
Including drivers other agencies turn away — tickets, accidents, a lapse in coverage, or an SR-22 filing.
The short version
Texas requires 30/60/25 liability coverage: $30,000 per injured person, $60,000 total per accident, and $25,000 for property damage. The Texas Department of Insurance says plainly that those minimums “might be too low if you cause a multi-vehicle accident or the other driver's car is totaled” — and a $25,000 property-damage limit does not replace a newer vehicle.
Two coverages matter more here than most drivers realise. Uninsured/underinsured motorist covers you when the at-fault driver has no insurance, too little, or leaves the scene. Personal injury protection pays medical costs and lost wages regardless of fault. In Texas an insurer must offer UM/UIM, and every policy includes PIP — you have to reject either one in writing. If you don't remember rejecting them, you may already have them.
The Legal Minimum
What 30/60/25 actually buys.
It's the floor set by law, not a recommendation — TDI says so itself.
$30,000 per injured person
One hospital stay can exceed that. Anything above it is your personal responsibility, and the other driver can sue you for the difference.
$60,000 per accident
That's the total across everyone hurt, no matter how many people. A multi-car accident on the tollway exhausts it quickly.
$25,000 property damage
Will not replace a late-model truck or SUV. This is the limit most likely to be blown through in an ordinary accident.
None of it covers your own car
Liability pays for damage you cause to others. Your own vehicle needs collision and comprehensive — which is what people usually mean by “full coverage.”
Two Coverages Worth Understanding
UM/UIM and PIP — and why they're on your policy unless you said no in writing.
Texas handles both differently from most states, and most drivers have never had them explained.
Uninsured / underinsured motorist
Covers you when the at-fault driver has no coverage, not enough of it, or flees the scene. Since a great many drivers on the road carry only the legal minimum, “underinsured” is the more common problem — their $30,000 against your actual injuries.
It must be offered to you
Texas insurers are required to offer UM/UIM. If you don't want it, you must decline it in writing. That rule exists because it's easy to drop by accident and painful to discover you did.
Personal injury protection
PIP pays medical expenses and lost wages for you and your passengers regardless of who caused the accident. It works alongside health insurance and covers things health insurance won't, like lost income.
PIP is in your policy by default
Every Texas auto policy includes PIP unless you rejected it in writing. Plenty of drivers have it and don't know — worth checking your declarations page before you assume you're paying out of pocket.
Local
Driving in Plano and the 75 corridor.
A national quote engine prices your ZIP code. Here's what's actually behind that number.
- Dense commuter traffic on US-75, the Dallas North Tollway, SH-121 and the President George Bush Turnpike
- Heavy rush-hour congestion means more low-speed collisions — frequency, not severity
- Hail damages parked cars too, and that's a comprehensive claim, not collision
- Rates vary meaningfully between Plano, Allen, McKinney, Frisco, Prosper, Richardson, Murphy, Wylie and Sachse
- Where you park overnight matters as much as where you work
- Adding a teen driver in a high-traffic corridor is one of the largest single premium changes you'll see
- A short commute can be worth quoting as its own scenario
- Carriers rate the same driver very differently — which is the whole argument for an independent agent
Hail is the local wrinkle people forget on auto. A storm that dents every car on your street is a comprehensive claim, and drivers carrying liability-only coverage have no protection for it at all.
Straight Talk
When you need less than you think.
Drop collision on an old car
If the vehicle is worth little more than your deductible, collision coverage can cost more over a few years than it could ever pay out. Comprehensive is cheaper and often still worth keeping for hail and theft.
But don't cut liability to save money
Liability is the cheap part of the policy and the part that protects everything you own. Cutting to 30/60/25 to save a few dollars a month is the worst trade on the page.
“Full coverage” isn't a real thing
It isn't a product or a legal term — it usually means liability plus comprehensive and collision. If someone quotes you “full coverage,” ask what the actual limits and deductibles are.
A bad record isn't permanent
Tickets and accidents age off. If you were placed in a non-standard market after an incident, it is worth re-shopping once it's behind you rather than staying there by default.
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Auto FAQ
Questions we hear often.
What is the minimum car insurance required in Texas?
Texas requires 30/60/25: $30,000 for injuries per person, $60,000 total per accident, and $25,000 for property damage. The Texas Department of Insurance notes those limits might be too low if you cause a multi-vehicle accident or total someone's car.
What is uninsured motorist coverage and do I need it in Texas?
It covers you when the at-fault driver has no insurance, not enough, or leaves the scene. Texas insurers must offer it, and if you don't want it you have to reject it in writing.
What is PIP and do I already have it?
Personal injury protection pays medical costs and lost wages for you and your passengers regardless of fault. Every Texas auto policy includes it unless you rejected it in writing — so check your declarations page before assuming you don't have it.
What does "full coverage" actually mean?
It isn't a legal term or a product. It generally means liability plus comprehensive and collision. Ask for the actual limits and deductibles rather than accepting the phrase.
Is hail damage to my car covered?
By comprehensive coverage, not collision and not liability. A liability-only policy provides nothing for hail — which matters in North Texas.
Can I get insurance with a ticket, an accident, or after my policy lapsed?
Yes. Non-standard markets exist specifically for drivers standard carriers decline, and Insurance Partner Group works with them. It also isn't permanent — most drivers move back to standard rates as the record ages.
Do you handle SR-22 filings?
Yes. An SR-22 is a form your insurer files with the state proving you carry the required coverage, usually after a serious violation. It's a filing, not a type of insurance.
Should I drop collision on an older car?
Often yes. If the vehicle is worth little more than your deductible, collision can cost more over a few years than it could pay out. Comprehensive is cheaper and often still worth keeping.