Texas Auto Insurance for Senior Drivers 65+

Covers medical expenses, lost wages, and legal costs when you cause an accident that injures others. Texas's minimum 30/60 limits fall short of median medical costs in serious accidents, and senior drivers with retirement assets or home equity face greater financial exposure in lawsuits.

Pays for damage to other vehicles and property when you're at fault.

Covers your medical bills and vehicle damage when an at-fault driver lacks adequate insurance. Texas law requires insurers to offer this coverage at the same limits as your liability policy, and you must reject it in writing.

Covers non-collision damage from hail, theft, vandalism, flooding, and animal strikes. Texas leads the nation in hail damage claims, with severe storms producing baseball-sized hail across the I-35 corridor from San Antonio through Austin to Dallas-Fort Worth.

Pays to repair or replace your vehicle after an at-fault accident or single-vehicle collision. Texas's high uninsured driver rate makes this calculation particularly relevant—collision coverage ensures your vehicle is repaired regardless of the other driver's insurance status, which can matter more than the vehicle's book value if it represents your only transportation.