Texas Car Insurance
Before you can legally drive within the state of Texas, you must have, at a minimum, liability insurance. Liability insurance functions as financial protection for drivers, as it keeps drivers from having to pay for the entirety of the damages they cause during collisions. Liability insurance also helps drivers avoid getting sued for not being able to cover the costs caused by the collisions, though keep in mind that it will not prevent drivers from getting sued altogether. According to the Texas Department of Insurance, drivers must have the following amount of coverage:
Required Coverages in Texas:
- Bodily Injury Liability Per Person: $30,000
- Bodily Injury Liability Per Accident: $60,000
- Property Damage Liability: $25,000
Drives must carry proof of car insurance in Texas in their vehicle at all times, or else they will face consequences. Failure to show proof of insurance to a police officer when requested will result in a ticket, which can cost anywhere from $175 to $350, according to the Department of Insurance. The second offense can cost up to $1,000 in fines and your vehicle may be impounded. If you cause an accident and you are uninsured, you will be forced to pay out of pocket for the damage you cause. If you fail to do so, the other party may sue you, causing further financial drain.
Determining Your Rate in Texas
The Texas Department of Insurance states that auto insurance companies in Texas have their own methods for determining insurance premiums. However, these methods usually involve examining your age, sex, and marital status, as well as the type of vehicle you drive. Your driving history and credit history can play a part in determining your car insurance quotes in Texas as well.
The average rate of auto insurance in Texas is $860, according to the Insurance Information Institute, which is a little higher than the national average of $785. To keep your auto insurance quotes in Texas low, the state Department of Insurance recommends that you ask about discounts, shop around, and drive a car with safety features. Increasing your deductible will also lower your premium.