Texas Auto Insurance

Posted by Harry Wagner

Are you on a mission to find cheap Texas car insurance? If you are tired of paying high auto insurance rates, now is the time to use the rate comparison tool above and find a more affordable auto insurance policy in minutes. By entering your zip code in the tool, you will be connected with all of the top insurers offering auto insurance in TX without ever having to visit another site or pick up the phone. Compare rates the intelligent way and use this advanced tool to your advantage.

Auto Insurance Requirements and Laws in Texas

When you operate a vehicle in Texas, the vehicle must be insured. The state mandated auto insurance requirements are designed to protect both motorists and pedestrians from injury and property damage. Failing to carry continuous coverage can land motorists in hot water with courts in Texas and also with the Department of Motor Vehicles. To combat the growing incidence of accidents involving uninsured drivers, the state is now enforcing the following punishments for individuals who are not in compliance with financial responsibility laws:

  • Citations leading to a misdemeanor conviction and a fine of between $175 and $350
  • Fines of between $350 and $1000 for second offenses
  • Suspension of your license
  • Suspension of your registration
  • Impoundment of car

While you are required to carry proof of insurance with you at all times, you do not have to be cited to suffer the consequences of driving without insurance. The TexasSure system allows the DMV to verify insurance electronically with all companies offering auto insurance in TX. If your insurance is cancelled or lapses for any reason, your registration will be suspended and you must pay reinstatement fees to have it reinstated.

In Texas, all motorists must carry liability insurance. Liability insurance will pay if the policyholder is at-fault for an accident and causes injuries or property damage. Liability coverage requirements are as follows:

  • Bodily Injury: $30,000 per person, $60,000 per accident
  • Property Damage: $25,000 per accident

With the rising cost of medical care in Texas, it is recommended to select higher limits to protect your assets in a lawsuit. You should also consider purchasing medical payments, uninsured motorist, and physical damage coverage, which are not required by the state. Uninsured motorist protection is especially important because one in five motorists in the state do not have insurance.

Tips on Finding Cheap Car Insurance in TX

You do not have to reject coverage options and select low limits just to save money on your auto insurance. If you want to find competitive Texas auto insurance quotes, you can save money by qualifying for a wide range of discounts. These discounts include but are not limited to:

  • Good student discounts for full-time students
  • Good driver discounts
  • Accident-free discounts
  • Low Annual mileage discounts
  • Multi-car and multi-line discounts

Insurance helps you pay for damages and medical bills that you cannot reasonably pay for on your own. Take time to find the best policy at a price you can afford, and use the rate comparison tool above.