What Auto Insurance Coverage Is Recommended? 
That is a great question ! A lot of the answer will depend upon your State required minimum coverage , and your budget . In Texas , the minimum amount of insurance that you can have is 30/60/25 , or $ 30,000 per person , per accident ; $ 60,000 maximum paid per accident ; and $ 25,000 for property damage . This is the bare minimum , and $ 25,000 does n't pay for much , if one or both cars are totaled . We recommend 100/300/100 as suitable coverage . That amount is typically more than enough , but ultimately it will be your budget that sets the amount of coverage for you . Contact a local agent , and find out what will work for you , okay ? Thanks for asking ! 