Personal auto · Canyon Lake · Comal County
Auto Insurance in Texas for Canyon Lake Drivers
Allen Jones Insurance Agency is an independent insurance agency in Canyon Lake, Texas that shops personal auto insurance across multiple carriers for Comal County households, mostly business owners, their families, and referrals. We line up liability, uninsured motorist, PIP and SR-22 filings with your business auto and umbrella so nothing falls between policies.
Text 830-305-4080 with your drivers, vehicles and current declarations page.
Texas minimum auto insurance (30/60/25)
Texas law requires at least 30/60/25 liability coverage: $30,000 for injuries to one person, up to $60,000 per accident for injuries, and $25,000 for property damage. That's the legal floor, not a recommendation. The Texas Department of Insurance says the minimum may be too low, and you pay anything above your limits yourself.
TDI puts it plainly: with minimum limits, your policy pays up to $60,000 for injuries ($30,000 for one person) and $25,000 for car repairs. If the bills are bigger, the rest is on you.
What 30/60/25 doesn't cover
- Your own car. Collision pays for damage from a crash. Comprehensive pays if your car is stolen or damaged by fire, flood, vandalism or something other than a collision (TDI).
- Your own injuries. That's personal injury protection or medical payments.
- A driver with no insurance. That's uninsured/underinsured motorist coverage.
Uninsured and underinsured motorist coverage in Texas
Uninsured/underinsured motorist coverage pays your medical and car repair bills when the driver who hits you has no insurance or too little, and in a hit-and-run you report to police. In Texas, insurers must offer it, and you can only turn it down in writing. TxDMV estimates 11.87% of Texas drivers are uninsured (as of September 2025).
TDI notes UM won't pay for a hit-and-run you didn't report to police, and UM claims for car damage can carry a deductible. If you rejected UM years ago to save money, it's worth another look.
Personal injury protection (PIP)
Personal injury protection pays medical bills for you and your passengers after a crash, plus lost wages and other non-medical costs. Every Texas auto policy includes PIP unless you reject it in writing, according to the Texas Department of Insurance. Medical payments coverage is narrower: it pays medical bills only.
SR-22 in Texas
An SR-22 is a certificate your insurer files with the Texas Department of Public Safety to prove you carry at least the minimum liability coverage. DPS requires it after certain crash suspensions, a second no-insurance conviction, or a crash judgment, for two years from that date. If it lapses, your license and registration can be suspended.
An insurance card doesn't take the place of the SR-22 filing. If you don't own a car, DPS says to ask about a Texas non-owner SR-22 policy. To reinstate a license, DPS requires a valid SR-22 and a $100 reinstatement fee, plus any other fees owed. We handle SR-22 filings without judgment; tell us the date the requirement started.
If you've been turned down
TDI says you can get basic coverage through the Texas Automobile Insurance Plan Association (TAIPA) if two insurance companies have turned you down. TAIPA sells liability, PIP and uninsured/underinsured motorist coverage at minimum limits, and it usually costs more than the regular market.
Comal County roads and coverage choices
Hill Country driving means rural roads, wildlife and hail season. Ask how your policy handles a hail-damaged car or an animal strike, and consider towing coverage for long drives between Canyon Lake, New Braunfels and San Antonio. List every licensed driver in the household, including teens, so a claim isn't disputed.
Driving for an app or making deliveries for pay? Tell us. A personal policy may not cover it.
Family cars, the company truck, and the umbrella
A vehicle used for the business, titled to it, or driven by employees belongs on commercial auto. See commercial auto for your work truck.
A personal umbrella sits over your auto liability, so your auto limits have to meet what the umbrella requires. We set the household cars, the company truck and the umbrella up together so they line up.
What to send for an auto quote
- Every driver: name, date of birth, license number
- Every vehicle, with the VIN
- Your current declarations page
- Any SR-22 requirement and its start date
- Accidents or tickets in the last three to five years
Text it to 830-305-4080. Bundling with your house? See Canyon Lake home insurance. In New Braunfels? See New Braunfels auto insurance. Everything we place is on our coverage page.
Auto insurance FAQ
What is the minimum car insurance in Texas?
Texas law requires at least 30/60/25 liability coverage: $30,000 for injuries to one person, up to $60,000 per accident for injuries, and $25,000 for property damage. That's the legal floor, not a recommendation. The Texas Department of Insurance says the minimum may be too low, and you pay anything above your limits yourself.
What does 30/60/25 mean?
It's the Texas minimum liability coverage. The first number is $30,000 for injuries to one person. The second is $60,000 for all injuries in one accident. The third is $25,000 for damage to other people's property, such as their car. It pays others when you're at fault, not your own car or injuries.
Is uninsured motorist coverage required in Texas?
You don't have to buy it, but Texas insurers must offer it, and the Texas Department of Insurance says you can only turn it down in writing. It pays your bills when an at-fault driver has no insurance or not enough. TxDMV estimates 11.87% of Texas drivers were uninsured as of September 2025.
How many drivers in Texas are uninsured?
The Texas Department of Motor Vehicles, which runs the TexasSure insurance verification database, estimates that 11.87% of Texas drivers are uninsured, as of September 2025. That's the main reason to keep uninsured/underinsured motorist coverage on your policy instead of rejecting it in writing to save a little premium.
Is PIP required in Texas?
Personal injury protection pays medical bills for you and your passengers after a crash, plus lost wages and other non-medical costs. Every Texas auto policy includes PIP unless you reject it in writing, according to the Texas Department of Insurance. Medical payments coverage is narrower.
How long do I need an SR-22 in Texas?
The Texas Department of Public Safety says you must keep SR-22 coverage for two years from the date of the conviction that required it, or, after a crash judgment, two years from the date of the judgment. If the coverage lapses during that time, your insurer notifies DPS and your license can be suspended.
Can I get an SR-22 if I don't own a car?
Yes. The Texas Department of Public Safety says drivers who don't own a vehicle can ask an insurer about a Texas non-owner SR-22 policy. It covers your liability when you drive a car you don't own and lets the insurer file the SR-22 with DPS so you can reinstate or keep your license.
What happens if my SR-22 lapses?
Your insurer notifies the Texas Department of Public Safety when the coverage ends. DPS says that can lead to suspension of your driver license and vehicle registration. To avoid a lapse, keep the policy paid and tell us before you change insurers, so the new company files its SR-22 before the old one ends.
What if two companies turn me down for auto insurance?
The Texas Department of Insurance says you can get basic coverage through the Texas Automobile Insurance Plan Association (TAIPA) after two insurance companies have turned you down. TAIPA sells liability, personal injury protection and uninsured motorist coverage at minimum limits, and it usually costs more than the regular market.
Who sells auto insurance in Canyon Lake?
Allen Jones Insurance Agency is an independent insurance agency in Canyon Lake, Texas that shops personal auto insurance across multiple carriers for Comal County households, mostly business owners, their families, and referrals. We line up liability, uninsured motorist, PIP and SR-22 filings with your business auto and umbrella so nothing falls between policies.
Get a quote
Text 830-305-4080 with your drivers, vehicles and current declarations page, or request a quote online. Allen follows up personally. A quote request is not a bind.
Allen Jones Insurance Agency · PO Box 1927, Canyon Lake, TX 78133 · ajones@
Licensed in Texas, Florida, Arizona and New Mexico. Coverage is subject to underwriting. General information, not legal advice.