Minimum Car Insurance Coverage Texas TX

Reader’s Question:

Hi, does anyone know what minimum car insurance I need to get in Texas? I just moved out here and am kinda lost.

Fran

San Antonio, TX

Howdy Fran! Welcome to Texas! If you’re looking at getting just the minimum car insurance coverage required in Texas, here is what you will need. You will need at least 20 grand in Bodily Injury liability coverage with a maximum of 40 grand per accident. You will also need 15 grand worth of Property Damage liability coverage. Texas uses the tort system which means that in case of an accident, someone will be determined to be the party at fault and will be tasked to cover the cost of any death or damage as a result of the accident.

Aside from the minimum insurance requirement in Texas, however, you may also want to get additional coverage for collision damage which will cover the cost of repairs to your car, as well as personal injury protection which will pay for any injuries caused to you and your passengers in the event of an accident. Why don’t you throw in comprehensive insurance, as well, which will cover most anything from theft to damage caused by floods, rains, and whatever else that could happen.

I suggest you go and visit some websites out there that offers free quotes from different car insurance providers in Texas. This will help you get started in finding the most affordable car insurance that is tailor fit to your needs.

 

Tags: affordable car insurance, auto insurance, auto insurance coverage, car insurance