Texas Auto Insurance
Around 15% of drivers in Texas are uninsured, which can be costly for everyone on the road in the event of an accident. And though the Lone Star State is a sunny one, it is also home to flash floods and hurricanes from the Gulf of Mexico. The result of inclement weather can have a drastic effect on both road conditions and vehicles. Texas insurance requirements are in place to protect you.
Auto insurance rates in Texas can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you can pick the price you like.
Required Auto Insurance Coverage in Texas
Texas drivers are required by law to have liability insurance. This form of insurance will pay for damages (up to the policy’s limit) in the event that you are found to be at fault in an accident. It excludes damages to your own car, however. In an accident where you are found to be at fault, you may be required to pay for property damages, lost wages, pain and suffering compensation, car rental, medical bills, and more - and liability insurance could cover much of it. Liability insurance would also cover your lawyer fees should you be sued for the accident. Not only must you have liability insurance, you must have a minimum coverage on your policy. You can get a lot of good information about Texas auto insurance requirements from the Texas Department of Insurance.
State Minimum Liability Coverage in Texas:
- BI or Bodily Injury: $30,000 per person, $60,000 per accident
- PD or Property Damage: $25,000 per accident
To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Texas to Consider
In Texas, as noted above, liability insurance is the minimum requirement. However, there are additional coverage options that you may want to consider, as they could save you money, hassle, and potentially a big headache.
Below are some examples you may want to consider:
- Underinsured or Uninsured Motorist Coverage - This insurance will help cover damages caused by underinsured or uninsured drivers. Even though Texas uses TexasSure to help catch uninsured motorists, you may be surprised to know that about 15% of Texas drivers are uninsured. Which means that one out of every five drivers is on the road without insurance. It’s against the law, but that won’t matter if one of them hits you and causes damage and injury to you and others in your vehicle.
- Collision Coverage - This insurance will help cover your car in the event of an accident involving other vehicles. Though the cost to fix vehicle damage varies greatly following an accident, you can pretty much count on most car repairs to be fairly costly. With national average repair costs of nearly $3,000, without Collision Coverage, you risk paying those repair costs out of your own pocket.
- Comprehensive Coverage - If there are damages to your car caused by something other than a car collision (natural disasters, hail dents, tornado truck tumbling, and so on), this kind of insurance will help cover these types of incidents.
- Higher Bodily Injury Limits - The minimum bodily injury limits may not be nearly enough to cover injuries to others in the event you cause an accident and are found at fault. Bodily injury claims can add up to very significant amounts depending on the extent of the injuries caused and that minimum amount may be quickly exhausted. AIS recommends that you consider additional BI coverage to protect yourself from potentially substantial costs.
- Higher Property Damage Limits - Although you are only required to carry a minimum of $25,000 in property damage, you may want to consider increasing that amount. From vehicle repair costs, to the cost of damaging property such as light poles, fences, and even buildings, you could rapidly exhaust the minimum amount and find yourself having to pay additional property damage costs yourself.
While these additional types and levels of coverage are not required by the state of Texas, you may want to consider them for your policy. One of the best ways to determine your specific auto insurance coverage needs is to consult an auto insurance specialist at AIS.
Texas Auto Insurance Discounts
Because auto insurance is so important to protect you and your family - and because there are many variables that can impact your insurance rates - you need to take advantage of all of the discounts that are available to you. These discounts could save you a lot of money on your auto insurance premium.
Examples of these discounts may include:
- Safe driver
- Good student
- Accident free
- And more…
To learn more about specific discounts, visit our Discounts page.
Texas is a great place to live with many recreational activities, a strong and diverse economy, and many wonderful places to visit. But as with anywhere you choose to live, Texas has its own hazards that require insurance protection. Because the complexities of auto insurance can be overwhelming - and the best rates can take some time to find - a knowledgeable and reliable resource for information and assistance could help ease the pressures of choosing the right policy. AIS wants to be that source for you - call us today to see how we can help with your Texas auto insurance needs!
Start a Texas Insurance Quote Today: (888) 772-4247