All drivers in Texas must have car insurance and choosing which Texas car insurance company to use can often feel like a challenging task but there are ways to help you navigate through the search for auto insurance.
Almost all major car insurance companies offer auto insurance policies to Texas Drivers. Some of the bigger companies include Allstate, State Farm and GEICO but many smaller insurance providers offer both affordable and reliable coverage for all types of vehicles.
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Texas Car Insurance Requirements
According to Texas law and the Texas Department of Insurance all drivers must have liability insurance or face stiff fines and possible license suspension.
“It is ILLIGEAL to drive without car insurance in Texas”
The current TEXAS car insurance requirements state each driver must have a minimum amount of liability insurance in the amounts below:
- $25,000 liability insurance per injured person
- $50,000 liability insurance combined for all persons in an accident
- And $25,000 in property damage insurance
In 2011, Texas law will change and require higher minimum liability requirements as of January 1, 2011. The new limits will be:
- $30,000 liability insurance per injured person
- $60,000 liability insurance combined for all persons in an accident
- And $25,000 in property damage insurance
Although these limits are higher than many states most Texas drivers still opt for higher policy coverage since in the event of an accident the state minimum requirements are still not high enough from preventing personal liability in the event of a medium or major car accident. Its not uncommon for drivers to have well over $100,000 in liability coverage and the cost of adding additional policy coverage / higher liability insurance limits is often very minimal.
What is TexasSure – the Texas Financial Responsibility Verification Program?
Texas is leading the country in trying to catch drivers with fraudulent or fake insurance ID cards and just recently announced the TexasSure program which is an automated Insurance Verification system allowing law enforcement officers to access a database and immediately tell whether or not the car has insurance coverage in place.
“The State of Texas estimates that almost 20% of all vehicles registered in Texas are uninsured”
This poses great financial risk and liability to all drivers and the TexasSure program is being watched closely by many motor vehicle departments as we could very well see many more states adopt this type of program very soon.
Texas Car Insurance Quotes
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