State-required minimum auto insurance protects you only if you cause an accident and damage. You must carry the state minimum to legally drive in Texas. However, the law does not mandate that you get coverage for yourself and your own damages or injuries.

According to Forbes, you will have to get liability insurance that provides $25,000 coverage for property damage per accident, $60,000 for bodily injury per accident and $30,000 bodily injury per person. You may choose to get additional coverage your insurer must offer by law, and you should consider it because the minimum coverage is often not enough to cover all expenses and leaves you without a safety net should you suffer damage or injuries.

Uninsured/underinsured

Uninsured and underinsured motorist coverage provides you with protection if you are in an accident with a driver who cannot pay completely for your damages. You can make a claim to your own insurance company, and it will pay out up to your limits for medical and auto damage. Your insurer must offer you this option, but you can deny it.

Personal injury protection

Your insurer must also offer you PIP coverage, but you have the right to reject it. This type of coverage will cover medical expenses for you and anyone in your vehicle. It does not matter who is at fault for this to pay out. It also will cover lost wages and other expenses related to your losses due to the accident, which makes it valuable even if you do have health insurance. The minimum offering is $2,500, but the suggested coverage is at least $10,000.