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How Does Car Insurance Work in Texas

Car insurance is one of those essential pieces of household maintenance that most people take for granted. But what happens if you get into an accident? Or if your car starts to break down and you need to get it fixed? In this article, we will explore the ins and outs of car insurance in Texas, so that you can have a better understanding of what’s going on and what you need to do if something goes wrong. From auto insurance rates to filing a claim, read on to learn everything you need to know about car insurance in Texas.

What is car insurance and how does it work in Texas?

Car insurance is a type of insurance that protects you and your car from financial losses in the event of an accident. Texas law requires all drivers operating a motor vehicle on public roads to have liability insurance. The minimum required liability insurance coverage varies based on the make and model of your car, but is typically between $100,000 and $250,000.

There are different types of car insurance policies available to Texans. The most common policy is called “full coverage.” This policy covers you for any damages that you or your car may cause in an accident, regardless of who was at fault. A second type of policy is called “limited coverage,” which only covers damage caused by someone who has been licensed and insured to drive in Texas. A third type of policy is called “uninsured motorist,” which helps pay for damages caused when someone who isn’t licensed and insured gets into an accident with your car.

Your car insurance premium depends on several factors, including your driving history, the make and model of your car, and the level of coverage you choose. You can also save money on your premiums by getting a discount from one of the many car insurers in Texas. To find out more about how car insurance works in Texas, contact your local agent or visit our website at www.txdot.gov/vehicleinfo/carinsurance/.

Types of car insurance in Texas

There are three types of car insurance in Texas: liability, collision, and comprehensive. Each has its own benefits and drawbacks.

Liability insurance protects you from lawsuits that may be filed because of accidents you’re involved in. This type of insurance is mandatory for all drivers in Texas. Collision insurance pays for damages that result from crashes, including the costs of repairs to your vehicle. Comprehensive coverage covers expenses not related to a car accident, such as theft or vandalism. You may want to buy comprehensive coverage if you have a high deductible on your collision policy.

Each type of car insurance has its own set of rules and regulations. For example, collision policies usually require you to file a claim within 30 days after an accident occurs. Liability policies don’t have this time limit, but you must notify your insurer immediately if you’re involved in an accident that causes injury or damages worth more than $500.

To find the best policy for you, it’s important to read the fine print on each policy and compare prices online or with your local insurance agency.

How much does car insurance cost in Texas?

In Texas, car insurance rates are determined by a number of factors including your driving record, age, and make and model of the vehicle. Rates for drivers under 25 years old can be as low as $5 a month while rates for drivers over 70 can be as high as $1,500 per year. Rates also vary depending on the type of car you drive. Although there is no mandated minimum or maximum amount that an insurer must charge for car insurance in Texas, most companies will offer policies with premiums starting around $100 per year.

Texans who own a home also benefit from lower car insurance rates because their policy typically covers property damage and liability claims related to accidents that occur on their property. In addition to standard auto coverage, many homeowners policies also include features such as roadside assistance, theft protection, and comprehensive coverage.


In Texas, car insurance works a bit differently than most other states. Most insurers in Texas require that you have liability insurance on your vehicle in order to be insured. If you are involved in an accident and the other driver does not have liability insurance, then you may be held liable for their damages. Make sure you are fully aware of your car insurance needs and how they work in Texas before getting behind the wheel.

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