Texas Car Insurance
Car Insurance Coverage In Texas
Affordable. Reliable. Lighting Fast Texas Car Insurance Quotes.
Everything IS bigger in Texas, but your car insurance premiums don’t have to be one of them!
If your drive on Texas roadways, you need an auto insurance policy that’s as reliable as your vehicle. With more than 17.8 million motorists hitting the pavement daily across Texas, it’s no wonder that thousands are involved in accidents on public roadways annually.
Worse yet, Texas roads and highways are responsible for more than 3,500 deaths annually.
Protect yourself and others with the right car insurance policy. At Insurance Navy we specialize in offering LOW COST auto insurance for Texas motorists.
You Can’t Count on Dodging an Accident, but You Can Count on Insurance Navy to Be There is It Happens.
Just a few clicks is all it takes to get a FREE NO OBLIGATION Texas Car Insurance quote online.
The Best For Less – Auto Insurance in Texas
We believe in fair, affordable, fast coverage that gets our customers on the road safely, all while meeting or exceeding the state’s minimum insurance requirements.
Did you know that Texas requires a minimum of $25,000 in property damage, $60,000 in bodily injury per accidents and $30,000 in bodily injury coverage per person?
At Insurance Navy we offer a wide range of insurance options, from budget-friendly liability-only coverage, to comprehensive coverage plans, and even ‘high risk’ SR-22 coverage for those who’ve had a few tickets under their belts.
No matter what you need to stay safe and covered on the road, we’re here to help.
Types of Texas Car Insurance Coverage Offered
Liability Car Insurance
What is Liability Car Insurance?
Nearly all states in the USA, Texas included, require a minimum amount of liability coverage on your car. This type of insurance is meant to provide coverage for third party damages and injuries sustained in a vehicle accident.
What Does Liability Car Insurance Cover?
If you are found to be ‘at fault’ for an accident, liability car insurance will cover costs associated with injuries sustained by the other driver(s), as well as any property damage to their vehicle or personal belongings.
It is important to note that there are two types of liability coverage, with one covering bodily injury expenses and the other covering property damage.
Bodily Injury Liability Coverage (“BI” coverage):
- Medical expenses
- Lost wages from time off work
- Pain and suffering
Property Damage Liability Coverage (“PD”):
- Car repairs
- Damage to public property (i.e. light post, stop sign, rail guard, etc.)
- Damage to personal property (home, yard fence, etc.)
- Costs associated with removing a knocked over tree
Is Liability Car Insurance Expensive?
Liability only car insurance is among the most affordable options to insure your vehicle for use on Texas roadways. Because coverage extends only to the ‘other’ drivers, and not yourself or your vehicle, premiums are lower than those for full or comprehensive coverage.
Why Choose Liability Car Insurance?
Liability only car insurance is often a good choice for those who are on a budget, need to meet the minimum state requirements for coverage, or who have a vehicle that is older and not worth insuring the replacement cost if damaged.
Comprehensive Car Insurance
What is Comprehensive Car Insurance?
As the name suggests, our comprehensive car insurance policy covers damages for a broad range of circumstances that may result in damage or theft of your vehicle or personal belongings in the vehicle.
What Does Comprehensive Car Insurance Cover?
Most non-driving related damages or losses are covered under comprehensive car insurance.
Includes Coverage for:
- Stolen car
- Damage caused by fire, hail, fire or wind
- Damage from vandalism
- Damage caused by falling objects
- Glass and windshield repair
- And more…
Is Comprehensive Car Insurance Expensive?
Comprehensive coverage from Insurance Navy is among the most affordable while still providing a broad scope of coverage. However, comprehensive coverage may be more expensive than ‘liability only’. Rates may also be reduced by increasing the deductible in the event of a claim.
Who is Comprehensive Coverage Best For?
Comprehensive coverage is often best for Those Who:
- Live in an area prone to vandalism or theft
- Own a newer or higher value vehicle
- Live in an area prone to weather-related damage or disasters
- Would be unable to pay ‘out of pocket’ if involved in a an accident resulting in damages not covered by liability or collision only insurance.
Has your Texas driver’s license been suspended? If so, the Texas Department of Motor Vehicles may require you to obtain a ‘certificate of financial responsibility’, commonly known as an SR22 policy. An SR-22 offers a way for those with less than stellar driving records (multiple tickets, reckless driving charges, or DUIs) to obtain the minimum necessary coverage mandated by the state in order to legally drive on Texas roadways.
Who Might Be Required to Get SR-22 in Texas?
- Those with several traffic violations
- Those convicted of DWI or DUIs
- Those convicted of serious moving violations
- Those who have had their license revoked or suspended
- Those who have been found guilty of not having the required mandatory minimum coverage in the state
Texas Car Insurance Laws: get covered & stay safe
At Insurance Navy we keep you covered, safe and compliant. With lightning-fast FREE price quotes on industry-leading insurance policies, combined with unparalleled customers service, you can’t go wrong.
Texas Mandatory Minimum Coverage Requirements:
- Property Damage Liability of $25,000 per accident
- Bodily Injury Liability of $60,000 per incident
- Bodily Injury Liability of $30,000 per person
Optional Coverage that May Be Available:
- Collision coverage
- Uninsured/underinsured motorist coverage
- Additional medical coverage
- Personal injury protection
- Uninsured motorist property damage
- Rental car reimbursement
- Comprehensive coverage
- And more…
Car Insurance You Can Count On to Be There For You
Each year tens of thousands of accidents happen on Texas roadways. Give yourself and/or your family the peace of mind they deserve, with an auto insurance policy that provides protection from unforeseeable accidents.
In a few minutes or less you can be well on your way to getting a free quote on an auto insurance policy that perfectly fits your needs and budget.
Looking to read more about Texas? Read our Ultimate Guide on Texas Car Sales Tax.