When it comes to auto insurance, Texas drivers need to be aware of the state's minimum requirements. As a liability state, Texas auto insurance laws require at-fault drivers to cover expenses incurred in an accident. This may cost more, but it provides more protection than a plan that only meets the minimum insurance requirement in Texas. Although car insurance is not mandatory in any state, drivers are still responsible for any bodily injuries or property damage they cause.
Even if you don't drive, having car insurance in Texas can be beneficial in some situations. However, the length of coverage depends on your policy, so you should always check with your insurer to avoid a disruption of coverage. In “no-fault states”, drivers must have protection against personal injury. The final insurance policy premium for any policy is determined by the insurer after the application. These policies help cover the cost of injuries you or your passengers suffer if you are ever hit by a driver who doesn't have enough or no car insurance.
Roadside assistance is an optional product that connects you to a professional, usually at a reduced rate, if you get a flat tire, need to start, run out of gas, keep your car keys or get stranded on the road for some reason. When you lend your car to a friend or a babysitter in Texas, you also lend them your insurance coverage. The Texas Association of Auto Insurance Plans (TAIPA) is a state system that offers insurance to drivers who can't find coverage through standard insurers. Since insurance in Texas is generally based on the car, you'll still be covered regardless of who's behind the wheel in the event of an accident. If you can't show your insurance card during a traffic stop, you may get fines and penalties, especially if you have an accident.
Being convicted of driving under the influence of alcohol in Texas results in your driver's license being suspended for at least 90 days. If you're looking for an auto insurance policy that balances quality with affordability, MoneyGeek also ranked the top car insurance companies in Texas.
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