Texas Car Insurance

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Texas car insurance laws are set by the Texas Department of Insurance and all drivers must carry liability auto insurance for any vehicles registered in Texas. Failure to comply with Texas car insurance laws can result in serious fines and suspension of both your drivers license and vehicle registration tags.

Texas Car Insurance Requirements

Texas auto insurance laws change in January of 2011 however even the current minimum requirements are higher than most states. Currently (2010) Texas requires liability auto insurance with the following minimum levels of coverage:

  • $25,000 liability per accident per person
  • $50,000 combined liability coverage per accident (all persons)
  • $25,000 in property damage liability insurance

When the new Texas car insurance laws come in effect in January of 2011 drivers will need at least:

  • $30,000 liability per accident per person
  • $60,000 combined liability coverage per accident (all persons)
  • $25,000 in property damage liability insurance

The downfall with even these higher limits is Texas still only requires liability insurance and liability coverage only covers damages / injuries to other people. Some agencies also report almost 20% of drivers are uninsured in Texas making the odds of being involved in a car accident with an uninsured motorist extremely high. This will result in having no insurance in place if the accident was not your fault and only carry minimum liability coverage.

Many Texas drivers opt for additional car insurance coverage by purchasing comprehensive and collision coverage along with underinsured/uninsured motorist coverage. While purchasing a well rounded policy may sound expensive its actually very affordable with Texas drivers averaging just around the national average for premiums ($1,460 vs. national average $1,430).

What happens if I drive a car with no Insurance in Texas?

Very stiff fines and penalties exist for operating a vehicle with no car insurance in Texas along with the large exposure to personal liability. Texas operates under the tort law system where you can be sued for damages pertaining to almost any car accident and if the damages are high enough you can probably bet some Texas car accident attorney will file suit. While state penalties are heavy the potential personal liability is so great without car insurance its never a wise financial move to not have some form coverage.

The State of Texas also is home to a leading edge program called TexasSure – also known as the Texas Financial Responsibility Verification Program. Law enforcement officials have access to an automated verification system which can immediately tell whether or not you have insurance. The purpose of this program is to cut down on the number of uninsured drivers and those who have fake ID cards uninsured motorists pose great potential harm to all drivers.

Texas Car Insurance Rates

Texas drivers will have no problem finding car insurance companies as they are in high supply with well over 100 licensed auto insurers in the state. TX auto insurance rates are just around the average national premiums so most people should have no problem finding affordable insurance. The way to get the best rates however will always be to start a car insurance comparison online.

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