Texas Liability Car Insurance: Everything You Need to Know

Car insurance in Texas is mandatory, and liability insurance is a requirement for all drivers. If you own or operate a vehicle in Texas, you must have auto insurance that meets the minimum requirements set by the state law.

What is Texas Liability Car Insurance?

Liability insurance is a type of auto insurance that provides coverage for damages you cause to others if you are found to be at fault in an accident. Texas liability car insurance covers the cost of damages to another driver’s car, medical expenses, and property damage.

Liability insurance is divided into two categories:

• Bodily injury liability
• Property damage liability

Bodily Injury Liability Insurance

Bodily injury liability insurance covers the cost of the injury or death of another person in an accident that you caused. The minimum required amount of coverage in Texas is $30,000 per injured person, up to a total of $60,000 for all people injured in one accident.

For example, if you were at fault in an accident and one person was injured, your bodily injury liability coverage would pay out up to $30,000. If multiple people were injured, your coverage would pay out up to $60,000 in total.

Property Damage Liability Insurance

Property damage liability insurance covers the cost of damage to another person’s car or property that you caused in an accident. The minimum required amount of coverage in Texas is $25,000.

For example, if you were at fault in an accident and you hit someone’s car, your property damage liability coverage would pay out up to $25,000 to repair or replace their car.

Why Do You Need Texas Liability Car Insurance?

Liability car insurance is required in Texas to protect other drivers and their property. If you are found to be at fault in an accident and do not have liability insurance, you could be held financially responsible for the other driver’s medical expenses, property damage, and other losses.

Without liability insurance, you could face legal action, fines, and even criminal charges. Additionally, you could be personally responsible for paying for any damages or injuries you caused.

What Happens if You Don’t Have Texas Liability Car Insurance?

If you are caught driving without liability car insurance in Texas, you could face serious consequences, including:

• Fines of up to $1,000 for the first offense and up to $2,000 for subsequent offenses
• Suspension of your driver’s license and vehicle registration
• Impoundment of your vehicle
• Higher insurance premiums and difficulty finding coverage in the future
• Legal action and financial responsibility for any damages or injuries you caused in an accident

How Much Does Texas Liability Car Insurance Cost?

The cost of Texas liability car insurance can vary depending on your age, driving record, and the type of car you drive. However, the average cost of liability insurance in Texas is around $500 per year.

How to Find the Best Texas Liability Car Insurance?

When shopping for liability car insurance in Texas, it’s important to compare prices and coverage from multiple providers. You should also consider the financial stability and customer service of the insurance company.

Some of the top insurance providers in Texas for liability car insurance include:

Insurance Provider	Customer Rating (out of 5)	Average Annual Cost
State Farm	4.3	$400-$500
Allstate	4.2	$400-$500
GEICO	4.0	$300-$400
Progressive	4.1	$400-$500

FAQ

What is the minimum liability car insurance required in Texas?

The minimum liability car insurance required in Texas is $30,000 per injured person, up to a total of $60,000 for all people injured in one accident, and $25,000 for property damage.

Do I need liability car insurance if I don’t own a car?

If you don’t own a car but have a driver’s license and drive someone else’s car, you should still have liability car insurance.

Can I get liability car insurance with a bad driving record?

Yes, you can still get liability car insurance with a bad driving record. However, you may have to pay higher premiums or have fewer options for coverage.

Can I get liability car insurance online?

Yes, you can get liability car insurance online from many insurance providers.

Is liability car insurance the same as full coverage car insurance?

No, liability car insurance only covers damages and injuries you cause to others in an accident. Full coverage car insurance includes liability insurance as well as coverage for your own car and injuries.

Can I change my liability car insurance policy?

Yes, you can change your liability car insurance policy at any time. However, you may be charged a fee or have to pay prorated premiums for the current policy period.

Conclusion

Texas liability car insurance is a requirement for all drivers. It provides coverage for damages and injuries you cause to others in an accident. To find the best liability car insurance in Texas, compare prices and coverage from multiple providers and consider the financial stability and customer service of the insurance company.