Texas Auto Insurance Quotes

If you've been spending time looking for a place where you can find the best information and deals on Texas auto insurance coverage, your search is over. You've come to the right place. You'll find extensive information on the auto insurance laws of Texas and learn about what coverage is required and what coverage is considered optional. Before making a policy purchase, get to know the laws so that you can be sure to request a quote that is in line with your needs for an insurance policy. Then you'll be able to request quotes from a number of companies that are able to offer coverage to Texas motorists.

Texas Liability Insurance Requirements

Like most other states in the U.S., Texas requires that motorists purchase and maintain liability insurance coverage on all vehicles that are registered in the state.  Liability insurance helps by covering expenses caused by property damage or bodily injuries in the event of a motor vehicle accident.  The minimum required amount of liability insurance for bodily injuries for one person in one accident is $25,000.  For all bodily injuries in one accident, the minimum amount of coverage is $50,000.  Property damage must be covered by a minimum of $25,000 in liability coverage.  Texas does not require uninsured motorist or personal injury protection coverage.

Alternative Means of Establishing Financial Responsibility

If you do not want to purchase liability insurance, you can still comply with the financial responsibility laws in Texas.  You can file a surety bond with the county clerk in your county, make a deposit of $55,000 to a county judge, or make a deposit of $55,000 to your county comptroller.  You will receive a document that shows that you have filed the bond or made the deposit so that you can prove that you are in compliance with the financial responsibility requirements of the state.

Proof of Insurance in Texas

Texas has a verification program that is called TexasSure.  Insurance companeis doing business in Texas submit information about new policies, policy renewals, nonrenewals, and cancellations right to the Texas Department of Transportation.  As long as minimum coverage is maintained on your vehicle, you do not have to take any additional action.  If you get a notice from the Department of Transportation about your insurance coverage, you will need to provide proof of insurance or clear up any issues related to your policy.

Penalties for Failing to Maintain Coverage

The penalty for not having insurance in Texas is suspension of your vehicle registration and driver's license.  In order to remove these suspensions, you will have to provide proof of current liability insurance that meets the minimums required by law and pay reinstatement fees that range from $175 to $350.