Texas Auto Insurance Requirements

Because insurance is required in the majority of states across the country, it is important to know your state laws on being insured and the minimum amount you must be insured for. If you live in the state of Texas, knowing your insurance laws could be to your benefit because of the harsh consequences of being caught uninsured.

The state minimums for Texas are set at $25,000 for each bodily injury or death per accident, $50,000 for total bodily injuries or death per accident, and $25,000 for personal property damage in one accident. There is a fine of at least $175 if you are caught driving uninsured the first time. If you continue to drive uninsured and are caught for a second time the fees will increase and you could lose your driver’s license. A third offense will result in the impounding of your vehicle.

All vehicles that you own and are registered with the state of Texas must be insured to at least these amounts. The penalties far outweigh an insurance premium because these penalties stay on your record for years after the offense has been committed.

It is also important to keep in mind that the state required minimum insurance amounts are not the recommended amounts of coverage. One serious accident can exceed your coverage limits greatly leaving you personally liable for the amounts that exceed your coverage. This could potentially put your future at risk as well has the future plans for your family.

Shopping around and getting quotes from several different insurance companies before you make your final purchase is the best way to ensure you are getting a good deal on your insurance. The premiums can be costly, especially if you have offenses on your driving record, but they are far less of a cost than the penalties for being caught by the police uninsured. The state of Texas has a very strict policy on what is acceptable when it comes to insurance and knowledge is your best form of defense.