$30,000
Bodily injury per person
Purchasing a vehicle or reviewing your current auto policy renewal? Lopez Auto Insurance & Tax helps you compare coverage from multiple carriers to find a policy that aligns with your vehicle, driving needs, and budget. Our team provides personalized guidance to help you understand your options and make an informed decision with confidence.
Start with what the policy would help pay for. Then compare the price.
Helps pay for injuries or property damage you cause to others if you are at fault, up to your policy limits. It does not pay for your own injuries or repairs to your own car.
This package combines Liability, Collision, and Comprehensive coverages—and is often required if you lease or finance your vehicle. It helps pay for damage to other people's property as well as repair or replacement costs for your own car after an accident, weather damage, or theft. It does not cover every scenario, such as mechanical breakdowns, towing, or rental car costs, unless added separately.
Financed or leased vehicles may require comprehensive and collision coverage. Lopez can help you compare options based on your drivers, vehicle value, and preferred deductible to find the coverage that fits your needs
Texas requires all drivers to carry auto liability insurance to cover costs if they cause an accident. The state-mandated minimum coverage limits are:
Bodily injury per person
Bodily injury per accident
Property damage per accident
Keep current proof of insurance available and confirm that your policy details are accurate.
Medical bills and repair costs can quickly exceed your policy's minimum liability limits, leaving you responsible for the difference. Higher limits can help reduce your out-of-pocket costs after a claim.
Every driver's situation is different. Your vehicle's market value, lender or lease requirements, household drivers, and personal budget for deductibles all play a role in determining how much protection you need to stay fully covered without overpaying.
Your quote starts with your details. These are the main things insurers consider.
Driving experience, accidents, violations, and previous insurance can affect your options and price.
Your car's make, model, age, and safety features determine repair expenses, while your location—including local traffic density, accident rates, weather risks, and theft statistics—directly impacts your quote.
Your policy coverage and limits determine what your insurer pays. A higher deductible can lower your monthly premiums but increase your out-of-pocket costs after a claim.
Every insurance company calculates risk and pricing differently. At Lopez Auto Insurance, we look at your specific driving history and coverage needs to compare policies across multiple trusted carriers—helping you find the right protection at the best price.
Tell us what applies to you. We will help you check the available options.
Setting up your first policy? Begin with your vehicle details, listed drivers, and desired protection levels
Explore insurance for new driversEligibility depends on vehicle ownership, carrier guidelines and who will be driving the vehicle. Keep in mind that carrying insurance does not legally permit an unlicensed person to operate a vehicle.
Read about insurance without a license.Many Texas insurance companies accept foreign driver's licenses or International Driving Permits (IDPs). Documentation requirements and available discounts depend on the specific carrier.
Explore foreign-license insurance options.Lapses in coverage, past traffic violations, or recent accidents can make finding affordable insurance challenging but you still have options. Share your driving profile with us and we'll help you find available coverage options tailored to your needs.
An SR-22 is not a separate insurance policy, an SR-22 is an official certificate that your insurance company files with the state to confirm you carry active liability insurance.
Learn about SR-22 requirements.Need an SR-22 but do not own a vehicle? A non-owner policy satisfies state filing requirements & provides liability coverage for borrowed cars, depending on your household setup.
Explore non-owner SR-22 insurance.Buying a car with a salvage or rebuilt title?
Check the insurance considerations first.After an accident, theft, or other loss, contact your insurance company with your policy details, photos, and incident information. Coverage and payment depend on your policy, limits, exclusions, and deductible.
If you have Collision or Comprehensive coverage:
Your insurer helps pay for repairs to your vehicle (minus your deductible), regardless of fault for collisions or covered non-collision events.
If you carry Liability coverage only:
Need help finding the right claims contact? Lopez can point you in the right direction.
Find Claims InformationPrefer to talk in person? Visit a Lopez office in the DFW area for help with your coverage questions and quote options in English or Spanish.
The State of Texas requires minimum liability coverage of 30/60/25. Financed or leased vehicles may require additional coverage.
Liability insurance helps pay for injuries and property damage you cause to others, subject to your policy limits. "Full coverage" generally refers to a combination of liability, collision, and comprehensive insurance. Collision covers damage to your vehicle from covered crashes, while comprehensive covers certain non-collision losses such as theft, weather damage, and animal-related damage.
Start with your driver's license information, vehicle details, insurance history, and contact information. Lopez can help you compare different coverage preferences and available policy options.
You may be able to obtain insurance without a driver's license, depending on vehicle ownership, who will drive, and the insurance carrier's eligibility requirements. A valid photo ID may help with the application, but insurance does not authorize an unlicensed person to drive. See the no-license insurance guide.
Some insurance carriers accept valid foreign driver's licenses. Bring your foreign license and identification when requesting a quote. Available rates and documentation requirements depend on the carrier and your circumstances.
An SR-22 is not a separate insurance policy. It is a certificate filed by an insurance company with the State of Texas to demonstrate that you maintain the required liability insurance coverage.
Yes. Visit a Lopez office for assistance with your auto insurance questions and available coverage options. Find a Lopez location and check its current hours and contact details.