From Yahoo Finance: 2025-05-02 12:18:00

Texas is prone to various natural disasters, making driving hazardous. The Insurance Information Institute advises Texas drivers to carry comprehensive coverage. The state mandates minimum car insurance coverage including $30,000 per person for bodily injury liability and $25,000 for property damage liability. Additional coverage options are available for better protection.

In Texas, drivers can purchase additional liability coverage to protect against various scenarios, like totaling another person’s car or causing severe injuries. Personal injury protection (PIP) covers medical costs after an accident, while medical payments coverage covers medical and funeral expenses. Uninsured motorist coverage pays medical costs if injured by an uninsured driver.

Parents in Texas can get a separate policy for their teenage drivers or add them to their own policy. Drivers who can’t obtain car insurance from commercial companies can turn to the Texas Automobile Insurance Plan Association (TAIPA). TAIPA offers minimal coverage but can transition to a conventional policy after three years without incidents.

To get the cheapest car insurance in Texas, it’s recommended to obtain quotes from multiple carriers. Discounts are available for bundling policies, good driving records, and military affiliation. Telematics can track driving habits for potential discounts. Independent agents can provide tailored advice on coverage options and premiums.

Car insurance rates in Texas are affected by various factors like driving habits and credit scores. Insurers can’t use certain factors like race, age, and gender to determine rates. Teen drivers must follow restrictions until they turn 18, including driving curfews and restrictions on passengers. Penalties for DWI in Texas are severe, with fines, jail time, and license revocation.



Read more at Yahoo Finance: Car insurance costs are big in Texas. Here’s how to get the cheapest rates.