Auto insurance is not an option; you need to have it to be able to legally drive in the state of Texas. It is more than that though. You need your auto insurance to help you out in the event of a crash or other loss, and you need to be able to afford it!

Be wary if a tow truck driver asks to tow your car to a specific repair shop after an accident. You could end up with a hefty bill. Normally, after an accident, police call a towing company to take your car to a car storage lot or a repair shop that you choose.

Car insurance isn’t just a good idea; it is mandatory. Texas law requires all drivers to have adequate car insurance. According to state law, you need to have minimum insurance coverages of $30,000 per injured person and up to at least $60,000 per accident.