Auto Insurance

Koda Insurance Group offers a variety of automotive insurance options for Texas residents. We have different coverage levels and policies available to meet the needs and budget of new drivers, current Texas drivers seeking to change their current plan, and newcomers to the Lone Star State.

Must I purchase auto insurance in Texas?

Texas law requires drivers to have the ability to pay for accidents that are their responsibility. The most common way to comply with Texas law is purchasing auto liability insurance that pays to repair or replace other vehicles in an accident and covers others' medical expenses if at fault for an accident.

Are there penalties for not carrying insurance?

Yes, and they are expensive. The first time you are caught driving without proof of sufficient coverage to meet the driver financial responsibilities under Texas law, you get a citation for an amount between $175 and $350. In addition, you have a pay a surcharge penalty that can be up to $250 on your license for the next three years.

What is the current minimum liability policy? 

Known as 30/60/25 coverage, this basic policy has liability limits of $30,000 per person injured, $60,000 per accident, and $25,000 in property damage for each incident. You may want to consider additional coverage since this basic policy does not cover your injuries or damage to your vehicle. Also, if the accident causes injury or damage above the minimum limits of the policy, other parties may sue a person if they are found at fault for the additional costs of the accident not covered.

What optional coverages exist?

Our agents can design a policy that provides the best protection and affordability. Options include coverage for an under- or uninsured motorist, personal injury protection, and comprehensive policies, to include a few. Other options assist with medical payments and collision expenses.

Your choice for insurance

Contact Koda Insurance Group today. Our agents are familiar with Texas requirements and can get you coverage immediately.

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