#auto insurance in texas
Best Affordable Auto Insurance in Texas
Get Free Quotes and Find the Best Coverage
Texas auto insurance can be cheap and affordable depending on your car and policy. Texas law requires people who drive in Texas to pay for the accidents they cause and the best way to accomplish this is via liability insurance which pays to repair or replace the other driver’s car and pays other people’s medical expenses when you are at fault in an accident. State law mandates that you have at least the minimum amount of liability coverage required by the state’s financial responsibility law. The current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. Factors such as car prices and the cost of medical treatment mean that sometimes the minimum amounts might not be enough to pay all of the damages if you are at fault for an accident. If your liability limits are too low to pay for all of the other driver’s costs, the driver may sue you to collect the difference. To protect yourself financially, consider buying more than the basic limits. Finding the best and most affordable auto insurance in Texas can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Texas. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Lone Star State.
Understanding Texas’s Auto Insurance Requirements
Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Texas one must understand what coverage they need. Texas does not mandate that Personal Injury Protection (PIP) or uninsured motorist coverage be a part of your auto insurance policy. In addition it is not a no-fault state and therefore has only simple liability insurance minimums.
In insurance vernacular a state’s basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Texas the minimums are 25/65/15. The numbers are in thousands of dollars.