Texas Auto Insurance

Strategies to help you cut costs on auto insurance in Texas

Car insurance in Texas, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Texas auto insurance isn't just something that drivers in the "Lone Star State" should have; it's something they must have.

Texas 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:

1. 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.
2. 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.
3. Texas auto insurance must include PDL coverage of at least $15,000 for damage to another person's property in an accident.

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.

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.

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.

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.

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.

• 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.

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