Liability Auto Insurance in Texas
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What is Liability Car Insurance in Texas?
Liability car insurance is intended to help you pay for any damages or injuries you cause if you are at fault for a car wreck. Almost every state requires some form of liability auto insurance and Texas car insurance rules are no exception. The required liability insurance in Texas consists of two parts: bodily injury liability coverage and property damage liability coverage. The state‑required minimum coverage, when combined with a good driving record and car insurance discounts, is the cheapest liability car insurance in Texas.
Texas requires drivers to prove their financial responsibility in order to drive. They will need to show insurance coverage when involved in an accident, when a police officer requests proof, or renewing vehicle registration. So, keep a copy of your insurance with you at all times.
At Freeway Insurance, we have the ability to research many different companies for you and come up with several options that fit your budget.
How Much is Liability Car Insurance in Texas?
The average for the minimum liability insurance coverage in Texas is $665 per year – or $55 monthly. This amount is about $100 more expensive than the national average at $565. Your insurance cost in Texas will be based on several unique factors, such as:
- Your age
- Your driving history
- Where you live in Texas
- What kind of car you drive
Obviously, a mature driver with a sparkling clean driving record who lives in a less congested area and drives a Toyota is going to get the cheapest car insurance in Texas. Insurance company underwriters look at these factors to determine the risk the insurer takes when they write you a policy. If you are young and don’t have much experience behind the wheel, the odds are not in your favor as far as finding inexpensive insurance for a teen driver. Similarly, if your driving record is littered with tickets, accidents or even worse, a DWI, you’ll be lumped in with high‑risk drivers and the insurance company will charge you more.
If you live in a congested area where claims are high for accidents, car theft and vandalism, you’ll be grouped in with this higher‑risk group of drivers. There could be quite a difference between your insurance premium and someone who lives in a rural part of Texas.
What is the Minimum Liability in Texas?
In Texas, required liability coverage is:
- $30,000 for bodily injury/death liability insurance to one person.
- $60,000 for bodily injury/death liability to more than one person.
- $25,000 for property damage liability insurance.
- Policies must include personal injury protection (PIP) and uninsured motorist coverage (UM/UIM) unless you reject these coverages in writing.
Driving Without Insurance in Texas
Many states have penalties for driving without insurance and Texas is no different. You won’t go to jail in Texas for driving without car insurance, but you will face some costly fines. Drivers who are first‑time offenders driving without insurance will pay fines of $175‑$350 and additional fees and any penalty assessments. You will also pay an additional $250 annually for three years to renew your license. That’s an additional $750 on top of your fines.
If you are found to be driving without insurance within three years of your first conviction, you could be looking at a fine of $350‑$1,000 and penalty assessments, including annual surcharges of $250 for three years. This second violation could total up to $1,750.
For drivers looking to avoid those fees, which can amount to much more than the insurance premiums, make sure you are carrying the appropriate amount of car insurance at all times. Don’t get caught driving without insurance in Texas. At Freeway Insurance, our agents are licensed and bilingual and can help you find the insurance that fits your budget and needs.
Is the Minimum Liability Auto Insurance in Texas Enough Protection?
No. At the very least, you should take the uninsured motorist coverage in case you get hit by a driver who has no insurance or a hit‑and‑run driver. This coverage will not add much cost to your premium – about $50‑$75 annually.
Get a Custom Liability Auto Insurance Quote Online in Texas Today!
Having a good insurance policy in Texas means you won’t find yourself with substantial medical expenses and car repair bills that often result from collisions. Freeway is here to help. Get started with a quote online, visit us at a Texas office near you, or call us at 800‑777‑5620 for a quote.