Texas auto insurance laws
Here are a few key Texas auto insurance laws all drivers need to know.
Texas is an at-fault state
Texas is an at-fault state, like most of the rest of the U.S. This means that in the event of an accident, the driver found to be at fault must pay for the medical bills and repair costs for all parties involved. In severe accidents, damages can exceed the state's minimum insurance coverage, so it's always best to purchase higher limits whenever possible.
Consequences for driving without insurance in Texas
Driving without at least state minimum car insurance in Texas could result in the following consequences:
- Fines of $260 for a first offense and $470 for subsequent offenses
- Driver's license suspension
- Vehicle registration suspension
What is the minimum car insurance required in Texas?
All Texas drivers must have at least the following insurance to drive legally:
- $30,000 of bodily injury liability coverage per person
- $60,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability coverage
These limits are slightly higher than what many other states require their drivers to carry. But they also offer greater protection in the event of an accident.
Other things to consider when looking for car insurance in Texas
Here are a few other things Texas drivers need to know when shopping for car insurance.
Texas sees a high number of vehicle thefts
Texas saw the second-most vehicle thefts in the nation in 2022, experiencing a 10% jump from 2021. State minimum insurance doesn't protect drivers if their vehicle gets stolen. Those who don't want to pay out of pocket to replace a stolen vehicle will need to invest in comprehensive coverage.
Texas drivers need to watch out for hail damage
Texas also sees the largest number of hail events of any state in the country. Hail can cause serious damage to vehicles, so it's best to keep them in a garage or under a carport whenever possible. Investing in comprehensive coverage is also helpful, because it assists drivers with damages caused by hail and other severe weather.
How to find the best car insurance in Texas
Texas drivers seeking the most coverage at the lowest possible price should try the following:
- Shop around: All car insurers evaluate risk differently, which leads them to offer different rates. Comparing quotes from several providers is the best way for drivers to ensure they're getting the best value.
- Watch for discounts: Many insurers apply car insurance discounts automatically to a driver's premium and they tend to offer savings for similar things. But some may offer unique discounts -- for example, for owners of hybrid or electric vehicles. Drivers who fall into this category may want to seek out insurers who offer these savings.
- Raise the deductible: Raising deductibles lowers monthly premiums. However, drivers who do this may want to save for their deductibles in an emergency fund so they're prepared in the event of a claim.