7 Things to Know About Liability Auto Insurance in Texas

What is Liability Auto Insurance?

Liability auto insurance is a type of insurance that provides coverage for damages you cause to other people or their property in a car accident. It does not provide coverage for damages to your own vehicle or injuries to yourself.

How Much Liability Auto Insurance Do I Need in Texas?

The minimum amount of liability auto insurance you need in Texas is:

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

However, it is important to note that these are just the minimum amounts required by law. You may want to consider purchasing more coverage to protect yourself and your assets in the event of an accident.

What Does Liability Auto Insurance Cover?

Liability auto insurance covers the following damages:

• Medical expenses for people injured in an accident you cause
• Lost wages for people who are unable to work due to their injuries
• Pain and suffering damages
• Property damage to other people's property

How Much Does Liability Auto Insurance Cost in Texas?

The cost of liability auto insurance in Texas will vary depending on a number of factors, including:

• Your age
• Your driving record
• The make and model of your car
• The amount of coverage you purchase

According to the Insurance Information Institute, the average cost of liability auto insurance in Texas is $549 per year.

What Are the Benefits of Liability Auto Insurance?

There are a number of benefits to having liability auto insurance, including:

• Financial protection in the event of an accident
• Peace of mind knowing that you are covered in the event of an accident
• Compliance with the law in Texas

What Are the Disadvantages of Liability Auto Insurance?

There are also some disadvantages to liability auto insurance, including:

• The cost of insurance can be a burden for some people
• Liability auto insurance does not cover damages to your own vehicle or injuries to yourself
• Your premiums may increase if you have an accident or receive a traffic ticket

How to Find the Best Liability Auto Insurance Policy for You

There are a few things you can do to find the best liability auto insurance policy for you, including:

1. Shop around for quotes from different insurance companies
2. Compare coverage and prices
3. Consider your budget and needs
4. Read the policy carefully before you sign up

FAQs About Liability Auto Insurance in Texas

1. What is the minimum amount of liability auto insurance I need in Texas?

The minimum amount of liability auto insurance you need in Texas is $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage.

2. How much does liability auto insurance cost in Texas?

The cost of liability auto insurance in Texas will vary depending on a number of factors, including your age, driving record, make and model of your car, and amount of coverage you purchase. According to the Insurance Information Institute, the average cost of liability auto insurance in Texas is $549 per year.

3. What are the benefits of liability auto insurance?

There are a number of benefits to having liability auto insurance, including financial protection in the event of an accident, peace of mind knowing that you are covered, and compliance with the law in Texas.

4. What are the disadvantages of liability auto insurance?

There are also some disadvantages to liability auto insurance, including the cost, lack of coverage for damages to your own vehicle or injuries to yourself, and potential for increased premiums if you have an accident or receive a traffic ticket.

5. How can I find the best liability auto insurance policy for me?

There are a few things you can do to find the best liability auto insurance policy for you, including shopping around for quotes, comparing coverage and prices, considering your budget and needs, and reading the policy carefully before you sign up.