Car insurance isn’t just something Texas drivers “should” have — it’s something the law requires. However, the auto insurance world is much bigger than most people think. If you’re considering becoming a licensed insurance agent, understanding how car insurance works in Texas is one of the best places to start.
Whether you’re an aspiring insurance professional or simply trying to understand Texas car insurance requirements, this guide breaks everything down in a friendly and straightforward way. You’ll also learn how to start your insurance career right here in Fort Worth.
Texas roads stretch across thousands of miles of busy highways, quiet neighborhoods, and rapidly growing cities. Because of that, accidents are inevitable, and drivers need proper coverage. Although most Texans know insurance is mandatory, many still don’t fully understand what they’re required to carry.
The state requires drivers to carry at least:
$30,000 for bodily injury per person
$60,000 for bodily injury per accident
$25,000 for property damage
These limits are often referred to as 30/60/25 coverage.
Even though these are the legal minimums, they may not be enough for real-life situations. In fact, many Texans choose higher limits to avoid paying out of pocket after a serious accident.
To understand car insurance in Texas — or to prepare for your P&C exam — it helps to know the major coverage types. Fortunately, the basics are easy to grasp.
This coverage pays for injuries or property damage that you cause to others.
In contrast to liability insurance, collision helps repair or replace your vehicle after an accident.
This covers non-collision events such as hailstorms, theft, vandalism, fire, or hitting an animal. Since Texas weather can be unpredictable, many drivers rely on this coverage.
Although insurance is mandatory, not everyone carries enough. This coverage protects you if the other driver is uninsured or underinsured.
Finally, PIP helps pay for medical bills and lost wages regardless of who caused the accident.
Fort Worth has its own set of rating factors that influence insurance prices. For example, population growth, busy roadways, and frequent storms all impact rates. Additionally, the area sees a higher number of car thefts compared to smaller cities. Together, these elements create a distinct risk environment.
When you become a licensed P&C agent, understanding these rating factors helps you educate clients and provide better policy recommendations.
Many people enter the insurance industry through auto insurance because it’s familiar and easy to explain. Beyond that, several other advantages make it a great starting point:
It’s legally required, so there’s always demand
It forms the foundation of Property & Casualty knowledge
It’s one of the fastest product lines to learn
Agents can quickly build long-term books of business
It leads to cross-selling opportunities
Because of these benefits, aspiring agents often begin their careers with auto policies before expanding into homeowners, renters, or commercial insurance.
If you’re ready to begin your insurance career, the licensing process is much more straightforward than most people expect.
This is where 123AceTheTest Insurance School supports you. We offer:
On-site classes in Fort Worth
Live Zoom classes
On-demand online courses
You can choose whichever learning format fits your schedule and study style.
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During your course, you’ll learn state regulations, auto policy structures, coverage requirements, and exam strategies. As a result, you’ll walk into the test feeling prepared.
Once the exam is passed, the final steps are quick and simple.
After your license is issued, you can join an agency, work with major carriers, or eventually become an independent agent.
There are plenty of reasons future agents trust us for their education:
Ultimately, we’re here to help you pass the exam — and launch a successful insurance career.
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