Texas Car Insurance Requirements: 3 Must-Knows for Secure Driving

Are you a Texas driver? If so, you must have car insurance. Here are the 3 most important things you need to know about Texas car insurance requirements:

1. Liability Coverage is Mandatory

Texas law requires all drivers to have liability insurance. This insurance covers you if you cause an accident and injure someone else or damage their property. The minimum liability coverage required by law is:

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

2. Other Required Coverages

In addition to liability insurance, you may also want to consider purchasing other types of car insurance, such as:

• Collision Coverage: This coverage pays for damage to your car if you are involved in an accident.
• Comprehensive Coverage: This coverage pays for damage to your car from events other than accidents, such as theft, vandalism, or hail.
• Uninsured/Underinsured Motorist Coverage: This coverage pays for your injuries if you are hit by a driver who does not have insurance or who does not have enough insurance to cover your damages.

3. Proof of Insurance

You must always carry proof of insurance in your car. If you are pulled over by the police, you will be asked to show proof of insurance. You can do this by showing the officer your insurance card or by providing them with your insurance information electronically.

Failure to maintain car insurance can result in serious consequences, including:

• Fines
• License suspension
• Impoundment of your vehicle

Additional Tips

Here are a few additional tips for getting the most out of your Texas car insurance:

• Shop around for the best rates. There are many different insurance companies out there, so it is important to compare rates before you buy.
• Increase your deductible. The deductible is the amount of money you have to pay out of pocket before your insurance coverage kicks in. Increasing your deductible can lower your monthly premiums.
• Take advantage of discounts. Many insurance companies offer discounts for things like good driving records, multiple policies, and anti-theft devices.

Common Mistakes to Avoid

Here are a few common mistakes to avoid when it comes to Texas car insurance:

• Driving without insurance. This is a serious offense that can have major consequences.
• Not carrying proof of insurance. You must always carry proof of insurance in your car.
• Buying too little coverage. The minimum liability coverage required by law is not always enough to protect you in the event of an accident.
• Not shopping around for the best rates. There are many different insurance companies out there, so it is important to compare rates before you buy.
• Falling for scams. There are many scams out there involving car insurance. Be sure to do your research and only buy insurance from reputable companies.

By following these tips, you can get the most out of your Texas car insurance and protect yourself from financial ruin in the event of an accident.

Table: Texas Car Insurance Minimum Requirements

Table: Average Cost of Car Insurance in Texas

Table: Discounts for Texas Car Insurance

Table: Common Mistakes to Avoid When Buying Texas Car Insurance