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Texas Car Insurance Requirements

Car insurance is mandatory in Texas. This means if you have just moved to Texas, or have gotten your very first driver’s license – or have purchased a swanky new set of wheels, you need to get car insurance. The state of Texas has firm laws in place regarding auto insurance. The law makes it mandatory for a Texas driver to purchase and maintain auto insurance as your proof of financial responsibility.

Driving is a privilege and you need to show your proof of financial responsibility in order to drive on Texas roads. For out of state car owners, your insurance policy from other states will be not valid in the Lone Star State for long. You will need to get your vehicle insured from a licensed insurer in Texas, only then will you get Texas license plates. You also must have proof that the vehicle is currently insured in your name to get your car registered in Texas.

Minimum Liability Coverage in Texas

The state law has defined certain minimum levels of coverage that every motorist must have. Being a tort state, the state determines one driver as responsible for the crash in an accident. It is the ‘at fault’ person who has to pay for all the damage (bodily and property) done in the accident.

Every driver in the state is required to have the minimum liability coverage, so that their insurance companies can pay for the damages incurred in an accident caused by them. This coverage is of course provided up to a limit, and is known as the 30/60/25 coverage.

These are the basic minimum coverage amounts that have been mandated by Texas law:

• $30,000 in bodily injury coverage per person in one accident
• $60,000 in bodily injury coverage for all injured per incident
• $25,000 in property damage coverage per incident

Remember that these are just the minimum amounts and can fall painfully short in paying for the damages incurred in a serious accident. This means that if you are responsible for an accident, the remaining payment for the damages will have to come from your pocket. That is why it is often recommended that you choose a higher coverage amount.

Additional Coverage Options

There are other insurance coverage options that are not mandatory by the state law. These policies include uninsured/underinsured motorist coverage and more. If you want to protect yourself, then these policies are a good decision. The reason being, if you buy just the state required policies, then in the event of an accident, where you are held responsible, all your insurance will pay for is the damage done to others. You will have to pay for medical expenses on your own injuries or for the repair of your own vehicle from your pocket. That is why you may choose to have supplemental insurance to further protect yourself and your property.

As soon as you get your vehicle insured, you will have to carry proof of insurance whenever you drive in Texas. You will be given an insurance card by your insurance company where your auto insurance policy details will be laid out for law enforcement officers to see. Driving without proof of insurance can lead to serious penalties, including fines of $175 or more and even driver’s license suspensions.

Remember that you must fulfill at least the minimum Texas auto insurance requirements so that you can lawfully operate a vehicle in the Lone Star State.

InTexasAutoInsurance.com provides an insurance comparison portal where people can find affordable quotes for policies suited to meet the Texas car insurance requirements. You can save up to 50% in just seven minutes.