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Texas Car Insurance Requirements

Texas Minimum Car Insurance Requirements

The state of Texas requires all its drivers to carry liability insurance. Failure to provide proof of insurance has some serious consequences. The mandatory liability insurance minimums in Texas are as follows:

  • $30,000 bodily injury per person
  • $60,000 bodily injury per accident
  • $25,000 property damage per accident

It is also important to remember that if you have an auto loan or lease your vehicle, your lender or leasing company could require you to carry additional car insurance.

Texas Liability Insurance

Liability insurance is the only required type of car insurance for all drivers in Texas. Liability insurance pays for bodily injury and property damage that you cause in an accident you have found to be responsible for. Keep in mind that your liability insurance policy will never cover your injuries or damage to your property.

Car Insurance Limits in Texas

Nearly every state across the country has a mandatory minimum limit of coverage its drivers must carry. At the same time, these limits are also the maximum amount insurance companies will pay out in the event of a claim. Policy limits can be adjusted as a driver sees fit, but they should never go below the state-mandated minimums.

In the state of Texas, the mandatory insurance limits are expressed as 30/60/25. Each number correlates to a specific aspect of liability coverage: bodily injury per person, bodily injury per accident, and property damage, respectively. More on what these categories cover can be found below.

  • Bodily injury per person is the maximum amount of money your insurer will pay for a single person’s injuries in an accident you caused.
  • Bodily injury per accident is how much your insurance company will pay for all injuries you cause in an accident.
  • Property damage per accident is the amount in which your insurance policy will payout for damage you cause in an accident.

Is Texas’s Mandatory Insurance Minimums Enough Coverage?

It would be unwise to only carry the mandatory liability insurance minimums when driving in Texas. While they may seem sufficient at the time of purchase, one severe accident can be detrimental to your finances. For example, if you cause an accident with two or more vehicles, $25,000 may not cover all auto repairs that result from the collision. If you end up totaling the cars, that brings about even more issues. It is recommended that you purchase a policy with higher coverage limits and consider policy add-ons to expand your protection.

Driving Without Proof of Insurance in Texas

Since car insurance is required by law in the state of Texas, failing to carry a policy while driving has some pretty serious consequences. Listed below is what you could be facing should you choose to drive without insurance in Texas.

  • A fine ranging from $175 to $350 with it only increasing for subsequent convictions
  • Vehicle impoundment
  • SR22 certificate
  • License suspension

Additional Types of Car Insurance in Texas

Due to the fact that the state of Texas only requires you to carry liability insurance, it would be worth looking into policy add-ons. Policy add-ons can help expand coverage to protect you and your assets. Some common ones are listed below.

  • Collision: This coverage protects your vehicle against damage from an accident with another car.
  • Comprehensive: This covers damage to your vehicle it sustains when not in use. Some perils covered under this policy include extreme weather and theft.
  • Medical Payments: This coverage will pay for medical expenses you and your passenger(s) accumulate as a result of an accident.
  • Roadside Assistance: If your car is experiencing some mechanical issues while you are driving, roadside assistance can be there to help resolve problems with your vehicle.
  • Uninsured Motorist Coverage: Despite car insurance being required by law, many drivers choose to hit the road without a policy. If you end up in an accident with someone who cannot pick up the costs of damages they caused, uninsured motorist coverage will assist you.

Car Insurance is Important For Any Texas Driver

Carrying car insurance not only keeps you within the law in Texas but also offers valuable protection for both you and your assets. Accidents can be very costly, especially if they are severe. You will want to protect your finances. If you fail to do so, you could be paying out of pocket for thousands of dollars of damage. Purchasing an adequate car insurance policy can offer coverage against such dangers.

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