Texas Minimum Car Insurance Requirements

Texas enforces financial responsibility laws which require you to prove that you meet the minimum requirements for car insurance coverage. You are responsible for proving that your policy adequately covers you in the event of an accident, so it is important to understand the Texas car insurance requirements. Texas state law currently requires minimum bodily liability limits of $25,000 per injured person up to a total of $50,000 per accident, and property damage liability coverage with a minimum limit of $25,000. Insurance companies often list this as 25/50/25 coverage. While these are the minimum levels of coverage allowed by the state, it is wise to choose a higher amount of coverage to protect yourself in the event of an accident.

While it may not be pleasant to think about, considering the worst case scenario is an effective way to purchase the correct auto insurance product. If you cause an accident and your liability limits are less than what it takes to cover the other driver’s costs, you may face a lawsuit to cover the difference. This is why it is crucial to examine your financial situation and make sure you are protected in the event of an accident. Even if you are not at fault in the accident, you are required to prove that you meet the minimum requirements, so make sure you choose adequate coverage.

Fines for not complying with Texas minimum car insurance requirements range from $175 to $350. Reoccurring convictions consist of a fine ranging from $350 to $1000, driver license suspension, and vehicle impoundment. This makes choosing the right Texas auto insurance plan crucial. To get your free Texas auto insurance rate quote, fill out the simple form located at the top of the page. We have done the necessary research to make it easy to get quality car insurance at an affordable rate. Feel free to browse other articles and statistics aimed at helping you make an informed decision. Don’t wait any longer; get your free Texas auto insurance rate quote now!