Yes, car insurance is mandatory in Texas. Here’s what you need to know:
Minimum Coverage Requirements
Texas law mandates the following minimum liability insurance coverage:
- $30,000 for bodily injury per person: This covers medical expenses for injuries you cause to someone else in an accident.
- $60,000 for total bodily injury per accident: This is the maximum your insurance will pay for injuries to multiple people in a single accident.
- $25,000 for property damage: This covers damage you cause to another person’s property (most often, their vehicle) in an accident.
Proof of Insurance
You are required to carry proof of insurance with you whenever you drive. You must be able to show this proof when:
- Registering your car
- Getting your car inspected
- Renewing your registration
- Asked by law enforcement during a traffic stop
Additional Recommended Coverage
While Texas only mandates liability insurance, consider these optional coverages for enhanced protection:
- Uninsured/Underinsured Motorist Coverage (UM/UIM): Protects you financially if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Collision Coverage: Pays for repairs to your car after an accident, regardless of who’s at fault.
- Comprehensive Coverage: Pays for damages to your car from events other than collisions, such as theft, fire, or weather damage.
Penalties for Driving Without Insurance
Driving without insurance in Texas carries severe consequences, including:
- Fines
- Suspension of your driver’s license
- Vehicle impoundment
How to Get Car Insurance
You can shop for car insurance policies from various insurance companies in Texas. Compare quotes and coverage options to find the best policy for your needs and budget.
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