Texas Car Insurance

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Key takeaways...
  • Texas requires that all drivers carry liability insurance
  • Many big companies and small companies offer insurance coverage in Texas
  • Many people opt for higher levels of coverage than what is required by law

All drivers in Texas must have car insurance. Choosing which 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.

Compare car insurance quotes right here to find the coverage you’re looking for at the best rate. It’s easy and it’s free! Just enter your zip code above to get started.

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 illegal 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
  • $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
  • $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.

It’s not uncommon for drivers to have well over $100,000 in liability coverage and the cost of adding additional policy coverage and higher liability insurance limits is often very minimal.

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What Is TexasSure?

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.

It allows 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 percent of all vehicles registered in Texas are uninsured.

This lack of coverage 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.

Compare car insurance quotes right here to find the coverage you need for the best price. Enter your zip code below to begin.

FREE Car Insurance Comparison

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