Driving in many States without auto insurance can cost you hundreds of dollars. In Texas particularly it can also cost you time off work, your license and even jail time. Before you can even register your car with the State of Texas you must have proof of insurance.

Auto insurance pays for damage and medical expenses due to an automobile accident. Each state has minimums of what coverage you must have on each vehicle. Texas says you must have at least a 25/50/25.

They say you must carry at least $25000 in coverage for bodily injury or death to one person per accident.

$50000 for two persons. And last but not least, $25000 to damage or destruction to property per accident. Adding coverage to protect yourself is up to you.

The amount the states require will not protect you if you are found to be at fault. Many insurance companies recommend higher limits to protect you. If the accident is settled at a much higher cost then what you have coverage for you are still responsible for payment out of your pocket.