Local Auto Insurance Coverage You Can Trust
At Killebrew Insurance LLC, we help West Texas drivers compare top-rated carriers so you get quality protection, better coverage options, and competitive rates. As a local, independent agency, we shop multiple companies for you — including Progressive, Safeco, Travelers, and more — to help you find the best fit for your needs.
Why West Texas Drivers Choose Killebrew Insurance
✔ Local Agents Who Understand West Texas Roads
Driving in Midland, Odessa & Lubbock means dealing with long commutes, oilfield traffic, weather risks, and high repair costs. We help you choose coverage that actually fits your daily driving.
✔ We Compare Multiple Carriers for You
Instead of being stuck with one price from one company, we shop several top-rated carriers to help you get better protection at a competitive rate.
✔ Personalized Coverage for Your Vehicle
Every driver is different. Whether you drive a truck, SUV, commuter car, or business-use vehicle, we customize your coverage to fit your needs.
✔ Fast, Friendly Service From Real People
No call centers. Just real West Texas agents who care about protecting you and your family.
✔ Easy to Switch & Save
If we can improve your price or coverage, our team handles the entire switch for you.
What Your Auto Insurance Can Include
We help you choose the right protection based on your vehicle, your budget, and the unique risks of driving in Midland, Odessa & Lubbock.
• Liability Coverage (Required in Texas) – Helps pay for injuries or property damage you cause in an accident. Texas minimum limits are 30/60/25 — but many drivers choose higher limits for better protection.
• Collision Coverage – Helps repair or replace your vehicle after an at-fault accident.
• Comprehensive Coverage – Protects your vehicle from non-accident damage such as theft, hail, fire, vandalism, falling objects, or storm damage — common risks in West Texas.
• Uninsured/Underinsured Motorist (UM/UIM) – Protects you if you’re hit by a driver who has little or no insurance. This is especially important in Texas, where many drivers carry only minimum limits.
• Medical Payments / Personal Injury Protection (PIP) – Helps cover medical expenses for you or your passengers after an accident — regardless of who is at fault.
• Roadside Assistance & Rental Reimbursement – Helps you stay on the road with towing, flat tire support, and rental coverage while your vehicle is being repaired.
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Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
Solution
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Medical Payments Coverage and Personal Injury Protection
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Solution
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Rental Coverage / Loss of Use
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
How Does Bodily Injury Liability Protect You in a Car Accident?
Bodily injury liability helps protect you if you cause an accident that injures someone else. It helps pay for medical bills, lost wages, and legal costs — up to the limits you choose.
What Is Uninsured/Underinsured Motorist Coverage?
UM/UIM coverage protects you if you’re hit by a driver with little or no insurance. In Texas, this coverage is essential because many drivers carry only the minimum limits — or none at all.
Protect Your Vehicle With Auto Insurance Add-Ons
Optional coverages can help protect your vehicle from theft, hail, vandalism, single-car accidents, falling objects, or uninsured drivers. Common add-ons include Comprehensive, Collision, UM/UIM Property Damage, Roadside Assistance, and Rental Reimbursement.
What Is the Minimum Coverage Required in Texas?
Texas requires 30/60/25 liability limits. These meet the law — but they rarely protect you in a real accident.
Why We Recommend More Than the Minimum
With today’s repair costs, medical bills, and vehicle prices, the state minimums are usually not enough to cover even one serious accident. Anything not covered becomes your personal financial responsibility.
That’s why most drivers choose higher limits like 100/300/100 or better.
The cost difference is small — the protection is huge.
We help West Texas families choose coverage that protects their income, savings, and future — not just the legal minimum.
Auto Insurance FAQ — West Texas Drivers Ask Us
1. How much auto insurance do I need in Texas?
Texas requires 30/60/25, but most West Texas drivers choose higher limits for better protection.
2. Does auto insurance cover hail and storm damage?
Yes — hail and storm damage are covered under Comprehensive coverage, which is essential in West Texas.
3. What affects my auto insurance rate?
Rates depend on your driving history, vehicle type, coverage choices, mileage, ZIP code, and insurance score.
4. Is UM/UIM coverage worth it in Texas?
Yes. Many Texas drivers carry only minimum limits — or none at all. UM/UIM protects you financially if they hit you.
5. Do you offer discounts?
Depending on the carrier, discounts may include:
- Bundled home + auto
- Safe driver
- Multi-vehicle
- Paperless
- Pay-in-full
- Usage-based programs (telematics)
Auto Insurance Coverage Areas
We proudly serve drivers in:
- Midland, TX
- Odessa, TX
- Lubbock, TX
- Andrews, TX
- Big Spring, TX
- Stanton, TX
- Monahans, TX
- Kermit, TX
- Gardendale, TX
- West Odessa, TX
Wherever you drive in West Texas, we help you get the protection you need.
Let’s Get Started
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