817-485-5050 info@schwabagency.com

Texas Auto Insurance Basics

Investing in the right auto insurance policy is the best way to ensure that you stay safe while on the road. However, trying to figure out how much insurance to invest in can be stressful and confusing. Keep these simple guidelines in mind to ensure that you have the right amount of protection.

In the state of Texas, you are required to carry a minimum liability amount of $30,000 for each injured person, $60,000 for each accident, and $25,000 in property damage for each accident. This coverage is known as the financial responsibility law, and is commonly written into policies as 30/60/25. While these are the minimums, keep in mind that the more coverage you invest in, the more protection you will have while on the road.

When you invest in an auto insurance policy, you will be issued a proof of insurance card that you are required to keep with you at all times while you are behind the wheel. There are various times that you can be asked to show proof of insurance including, if a police officer pulls you over, when you are renewing your registration, when you get your car inspected, if you get into an accident, or when you renew your driver’s license.

If you are found to be driving without insurance coverage, you can face heavy fines. The minimum fine for your first offense of driving without insurance can be as low as $175. The penalty can go up to a $4,000 fine and a year in jail if you have had multiple offenses and cause an accident that results in serious injury or death.

If you have any questions about your current auto insurance coverage, or are looking to invest in a new policy, contact the insurance professionals at The Schwab Agency in Colleyville, Texas.

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The Schwab Agency

The Schwab Agency, LLC has over 20 years of experience within the insurance industry in our community and our goal is to bring you unparalleled service and dedication. Since the majority of our business is through long-lasting relationships with our clients, fulfilling your needs is of the highest priority.

COVID-19 Update:


Due to new increasing cases of Covid-19 our office will be closed to the general public until further notice. Our team will still be working full-time in the office and here to assist with all your insurance needs. Please contact us via phone at (817) 485-5050 or email: info@schwabagency.com.


We hope everyone is doing their part to protect themselves and their loved ones during these hard times, and thank everyone for understanding our decision to do our part to help protect our staff and those in our community.


Tim Schwab.
President and Managing Partner