Here are a few guidelines for Texas car insurance requirements. Having this information can assist when shopping for a Texas auto insurance quote, particularly if you’re wondering how much coverage you will need.
Texas mandates that everyone who drives in the state be financially accountable for their actions. In other words, you’re financially in charge of any auto accidents that you cause. So as to protect their financial assets, many people purchase auto insurance.
Like most states, Texas requires that you have at least coverage for injury to people hurt in an accident and damage to property resulting from a major accident you cause. For injury you must have at the very least $20,000 per person and $40,000 for all persons injured per accident. For damage to property, you must have a minimum of $15,000 coverage per accident. These minimum limits are also known as 20/40/15 coverage.
Although these are the minimum limits required by Texas state guiidelines, they will not be enough because you are still financially liable for costs above those limits. It’s often a good idea to increase your coverages.
Make sure that once you shop for Texas car insurance quotes, to get at least three different quotes. Rates can vary considerably between companies. Decide ahead of time what coverages you need and then use those same amounts for each quote so you get a more accurate comparison of costs.
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