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Guide to Texas Auto Insurance
Strategies to help you cut costs on auto insurance in TexasTexas auto insurance doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Texas, you need auto insurance in Texas. Here's what kind and how much, according to Texas state law:
- When buying car insurance, Texas, drivers must purchase bodily injury liability (BIL) and property damage liability (PDL) coverage; collision, comprehensive, personal injury protection (PIP), uninsured motorist bodily injury (UM) and uninsured property damage coverage are recommended, but not required.
- Texas auto insurance must include BIL coverage of at least $20,000 per person and $40,000 per accident for costs associated with the injury or death of others in a wreck.
- Texas auto insurance must include PDL coverage of at least $15,000 for damage to another person's property in an accident.
Action Steps
The best contacts and resources to help you get it done
Browse Texas auto insurance quotes online
If you need Texas auto insurance quotes, the Internet is a good starting point. Available from all major Texas auto insurance companies, online quotes offer a fast and convenient way to research and compare premiums.
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For an auto insurance online quote, Texas drivers should look to websites like InsWeb, Insurance.com, InsuranceUSA and InsuranceFinder, or from companies like Progressive and Esurance, which quote both their own and competitors' rates.
Solicit a Texas auto insurance quote from national providers
Most major car insurance carriers offer auto insurance in Texas and all provide competitive Texas auto insurance rates.
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Among the largest and most popular Texas automobile insurance companies are AIG, Allstate, Chubb, Farmers, GEICO, The Hartford, Liberty Mutual and State Farm. National associations like AAA and AARP are also good sources for affordable Texas auto insurance.
Get Texas auto insurance from local and regional companies
In Texas, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
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For car insurance, Texas-based drivers should try Texas-based companies. Insurance providers in Texas include Massil Insurance Group, American National Insurance Company, Texas Auto & Home Insurance and Insurors of Texas. Also consider local programs, like the Texas Automobile Insurance Plan, which exists for drivers who can't easily find auto insurance in Texas.
Use an independent agent to find Texas auto insurance bargains
To buy car insurance, Texas drivers should consider using an independent insurance agent, who can expose them to new resources, practical advice and special rates.
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To find an independent agent who can sell you auto insurance in Texas, use the “find an independent agent” feature at the Independent Insurance Agents of Texas.
Choose Texas auto insurance companies that you can trust
Before doing business with car insurance companies, Texas drivers should review their records with consumers to make sure they are reliable, reputable and responsible.
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If you subscribe to Consumer Reports, you can check up on the auto insurance companies of Texas. Another good resource is the Texas Department of Insurance, which licenses insurance providers in Texas and compiles statistics on complaints against auto insurance companies in Texas.
Tips & Tactics
Helpful advice for making the most of this Guide- Consider buying more coverage than is required by state law; minimum Texas auto insurance might not be enough to cover car repairs or medical bills after an accident.
- Penalties for drivers who don't have Texas auto insurance include driver's license suspension, cash fines and vehicle impoundment.
- If you're leasing or financing your car, dealerships might require you to have more and better Texas auto insurance than is required by state law.
- Higher deductibles typically mean lower premiums and more monthly savings on auto insurance in Texas.
- In Texas, auto insurance can legally be replaced by a massive financial bond that functions as self-insurance; while legal, it's not practical for most drivers.
