Texas Car Insurance


It is illegal to drive without car insurance in Texas. The state of Texas requires its drivers to carry appropriate amounts of automobile insurance, in order to legally operate a motor vehicle in Texas. State of Texas applies car insurance as a form of financial responsibility.
insurancemozo.com asks all its readers to comply with Texas Financial Responsibility requirements failure to do so could lead to the suspension of your driver’s license and fines. Under the Texas Driver Responsibility Program, drivers who are convicted of failure to maintain insurance are required to pay a flat surcharge of $250.00 per year. Driving without insurance or with insufficient coverage can result in fines, a suspended license or jail time.

insurancemozo.com understands the value of important information necessary to find the Best Texas Car Insurance for you. The below information will help you find the cheapest auto insurance in Texas.

What are the minimum Texas Car Insurance Requirements?

The statutory minimum limits of liability insurance in Texas are 30,000/60,000/25,000 and that mean:

$30,000 liability coverage per person for injury
$60,000 liability coverage per accident for injury
and $25,000 for property damage liability(damage to buildings, traffic signs or other party vehicles)
It is worth mentioning here that in addition to liability insurance drivers in state of Texas can also opt for additional coverage (called Full Coverage) that increases the cost of the policy but provides the insured with greater protections.

Full Coverage Car Insurance:

Full coverage is when you have enough protection to cover any loss associated with your automobile. From theft, to a hit and run, to an accident that was your own fault, full coverage covers any of these instances. Full Coverage Protection ensures that your vehicle is fixed and made up whatever the circumstances are in an accident. This coverage depends on a variety of factors, such as how much you can afford, what kind of car you drive, where you live, how old your car is etc.

However on the other hand with full coverage your payment will be much higher than that of someone paying for liability only, but the protection that is offered is certainly worth it, especially if your vehicle is valued high or you still owe money on it. As your car gets older, full coverage may not be necessary, as the value may not be that high, and the deductibles can cost a good percentage of what the car is worth. After all its your choice to take this coverage.

Is Uninsured/Underinsured Motorist (UM/UIM ) protection required in Texas ?

Even there are laws in all states for insurance coverage, there are still drivers on the roads without coverage or with inadequate coverage. What if you have an accident with someone who does not have enough financial resources? Who will pay for their claims? UM/UIM coverage policy covers all those matters.

Texas does not require licensed drivers to carry UM/UIM. It asks all the insurance companies to pay all the coverage. In other words even if the other party doesn’t have insurance coverage it is not your headache and your insurance company will pay for all the claims of uninsured party.

What are the various discounts I can avail in Texas?

Like all the other states there are various ways in Texas to cut down your premium costs so that they don’t result to be very heavy on your wallet.

There are various discounts available in Texas such as Bundle Discount where person bundles multiple cars, home, life and other insurances from same insurer Safe driver discount, Safety equipment discounts when your car has some security alarm or gps tracking device, new car discount , etc.

Have a look at each discount in detail and ask insurance provider at the time of insurance if you can qualify for one.

How do I get a Texas Car Insurance Quote?

To get a car insurance quote either you start an auto insurance quote search online, visit various companies website and make a decision yourself or on the other hand just enter your zip code above and let insurancemozo.com do rest of the work for you.

Here at insurancemozo.com, we made it our job to find you the most affordable auto insurance quotes for you and your family, so that you won’t have to pay the outrageous insurance prices when you buy auto insurance in Texas.

Official websites link:

Texas Department of Public Safety

http://www.txdps.state.tx.us

State of Texas Government Website

http://www.texas.gov/en/Pages/default.aspx

Car insurance agents in Texas

Select your city from the list below to find local agents in your city:



-   Abernathy Car Insurance Agents
-   Abilene Car Insurance Agents
-   Addison Car Insurance Agents
-   Alamo Car Insurance Agents
-   Alice Car Insurance Agents
-   Allen Car Insurance Agents
-   Alpine Car Insurance Agents
-   Alton Car Insurance Agents
-   Alvin Car Insurance Agents
-   Amarillo Car Insurance Agents
-   Anahuac Car Insurance Agents
-   Angleton Car Insurance Agents
-   Anthony Car Insurance Agents
-   Arlington Car Insurance Agents
-   Athens Car Insurance Agents
-   Atlanta Car Insurance Agents
-   Aubrey Car Insurance Agents
-   Austin Car Insurance Agents
-   Azle Car Insurance Agents
-   Balch Springs Car Insurance Agents
-   Ballinger Car Insurance Agents
-   Bandera Car Insurance Agents
-   Bastrop Car Insurance Agents
-   Bay City Car Insurance Agents
-   Baytown Car Insurance Agents
-   Beaumont Car Insurance Agents
-   Bedford Car Insurance Agents
-   Beeville Car Insurance Agents
-   Bellaire Car Insurance Agents
-   Bellville Car Insurance Agents
-   Belton Car Insurance Agents
-   Big Spring Car Insurance Agents
-   Blanco Car Insurance Agents
-   Boerne Car Insurance Agents
-   Bonham Car Insurance Agents
-   Borger Car Insurance Agents
-   Boyd Car Insurance Agents
-   Brownfield Car Insurance Agents
-   Brownsville Car Insurance Agents
-   Brownwood Car Insurance Agents
-   Bryan Car Insurance Agents
-   Buda Car Insurance Agents
-   Burleson Car Insurance Agents
-   Burnet Car Insurance Agents
-   Canadian Car Insurance Agents
-   Canton Car Insurance Agents
-   Canyon Lake Car Insurance Agents
-   Carrizo Springs Car Insurance Agents
-   Carrollton Car Insurance Agents
-   Carthage Car Insurance Agents
-   Cedar Hill Car Insurance Agents
-   Cedar Park Car Insurance Agents
-   Celeste Car Insurance Agents
-   Celina Car Insurance Agents
-   Center Car Insurance Agents
-   Chandler Car Insurance Agents
-   Cisco Car Insurance Agents
-   Cleburne Car Insurance Agents
-   Cleveland Car Insurance Agents
-   Clyde Car Insurance Agents
-   Coleman Car Insurance Agents
-   College Station Car Insurance Agents
-   Colleyville Car Insurance Agents
-   Columbus Car Insurance Agents
-   Combes Car Insurance Agents
-   Commerce Car Insurance Agents
-   Conroe Car Insurance Agents
-   Converse Car Insurance Agents
-   Coppell Car Insurance Agents
-   Copperas Cove Car Insurance Agents
-   Corinth Car Insurance Agents
-   Corpus Christi Car Insurance Agents
-   Crandall Car Insurance Agents
-   Crane Car Insurance Agents
-   Crockett Car Insurance Agents
-   Crosby Car Insurance Agents
-   Crossroads Car Insurance Agents
-   Crowley Car Insurance Agents
-   Cypress Car Insurance Agents
-   Dallas Car Insurance Agents
-   Dayton Car Insurance Agents
-   Decatur Car Insurance Agents
-   Deer Park Car Insurance Agents
-   Del Rio Car Insurance Agents
-   Denison Car Insurance Agents
-   Denton Car Insurance Agents
-   Desoto Car Insurance Agents
-   Dickinson Car Insurance Agents
-   Dimmitt Car Insurance Agents
-   Donna Car Insurance Agents
-   Duncanville Car Insurance Agents
-   Edinburg Car Insurance Agents
-   El Paso Car Insurance Agents
-   Elsa Car Insurance Agents
-   Euless Car Insurance Agents
-   Fairfield Car Insurance Agents
-   Flint Car Insurance Agents
-   Floresville Car Insurance Agents
-   Flower Mound Car Insurance Agents
-   Forney Car Insurance Agents
-   Fort Worth Car Insurance Agents
-   Fredericksburg Car Insurance Agents
-   Freeport Car Insurance Agents
-   Friendswood Car Insurance Agents
-   Frisco Car Insurance Agents
-   Gainesville Car Insurance Agents
-   Galveston Car Insurance Agents
-   Garland Car Insurance Agents
-   Gatesville Car Insurance Agents
-   Georgetown Car Insurance Agents
-   Gilmer Car Insurance Agents
-   Gladewater Car Insurance Agents
-   Glenn Heights Car Insurance Agents
-   Granbury Car Insurance Agents
-   Grand Prairie Car Insurance Agents
-   Grapeland Car Insurance Agents
-   Grapevine Car Insurance Agents
-   Greenville Car Insurance Agents
-   Gun Barrel City Car Insurance Agents
-   Hale Center Car Insurance Agents
-   Hallettsville Car Insurance Agents
-   Haltom City Car Insurance Agents
-   Harker Heights Car Insurance Agents
-   Harlingen Car Insurance Agents
-   Haskell Car Insurance Agents
-   Haslet Car Insurance Agents
-   Hearne Car Insurance Agents
-   Helotes Car Insurance Agents
-   Henderson Car Insurance Agents
-   Henrietta Car Insurance Agents
-   Hereford Car Insurance Agents
-   Hickory Creek Car Insurance Agents
-   Hidalgo Car Insurance Agents
-   Hillsboro Car Insurance Agents
-   Houston Car Insurance Agents
-   Huffman Car Insurance Agents
-   Humble Car Insurance Agents
-   Huntsville Car Insurance Agents
-   Hurst Car Insurance Agents
-   Hutto Car Insurance Agents
-   Ingleside Car Insurance Agents
-   Irving Car Insurance Agents
-   Jacksonville Car Insurance Agents
-   Joshua Car Insurance Agents
-   Justin Car Insurance Agents
-   Karnes City Car Insurance Agents
-   Katy Car Insurance Agents
-   Kaufman Car Insurance Agents
-   Keene Car Insurance Agents
-   Keller Car Insurance Agents
-   Kemah Car Insurance Agents
-   Kenedy Car Insurance Agents
-   Kerrville Car Insurance Agents
-   Kilgore Car Insurance Agents
-   Killeen Car Insurance Agents
-   Kingsville Car Insurance Agents
-   Kingwood Car Insurance Agents
-   Knox City Car Insurance Agents
-   La Feria Car Insurance Agents
-   La Joya Car Insurance Agents
-   La Porte Car Insurance Agents
-   La Vernia Car Insurance Agents
-   Lago Vista Car Insurance Agents
-   Lake Dallas Car Insurance Agents
-   Lake Jackson Car Insurance Agents
-   Lamesa Car Insurance Agents
-   Lancaster Car Insurance Agents
-   Laredo Car Insurance Agents
-   League City Car Insurance Agents
-   Lewisville Car Insurance Agents
-   Liberty Car Insurance Agents
-   Linden Car Insurance Agents
-   Little Elm Car Insurance Agents
-   Live Oak Car Insurance Agents
-   Livingston Car Insurance Agents
-   Lockhart Car Insurance Agents
-   Longview Car Insurance Agents
-   Los Fresnos Car Insurance Agents
-   Lubbock Car Insurance Agents
-   Lufkin Car Insurance Agents
-   Lumberton Car Insurance Agents
-   Magnolia Car Insurance Agents
-   Mansfield Car Insurance Agents
-   Marble Falls Car Insurance Agents
-   Marlin Car Insurance Agents
-   Marshall Car Insurance Agents
-   McAllen Car Insurance Agents
-   McGregor Car Insurance Agents
-   McKinney Car Insurance Agents
-   Mercedes Car Insurance Agents
-   Merkel Car Insurance Agents
-   Mesquite Car Insurance Agents
-   Mexia Car Insurance Agents
-   Midland Car Insurance Agents
-   Mineola Car Insurance Agents
-   Mission Car Insurance Agents
-   Missouri City Car Insurance Agents
-   Montgomery Car Insurance Agents
-   Murphy Car Insurance Agents
-   Nacogdoches Car Insurance Agents
-   Naples Car Insurance Agents
-   Navasota Car Insurance Agents
-   Nederland Car Insurance Agents
-   New Braunfels Car Insurance Agents
-   New Caney Car Insurance Agents
-   New Waverly Car Insurance Agents
-   Nocona Car Insurance Agents
-   North Richland Hills Car Insurance Agents
-   Northlake Car Insurance Agents
-   Odessa Car Insurance Agents
-   Olmito Car Insurance Agents
-   Orange Car Insurance Agents
-   Palacios Car Insurance Agents
-   Palestine Car Insurance Agents
-   Palmview Car Insurance Agents
-   Pantego Car Insurance Agents
-   Paris Car Insurance Agents
-   Park Row Car Insurance Agents
-   Pasadena Car Insurance Agents
-   Pearland Car Insurance Agents
-   Pecos Car Insurance Agents
-   Pflugerville Car Insurance Agents
-   Pharr Car Insurance Agents
-   Plainview Car Insurance Agents
-   Plano Car Insurance Agents
-   Ponder Car Insurance Agents
-   Port Arthur Car Insurance Agents
-   Port Lavaca Car Insurance Agents
-   Port Neches Car Insurance Agents
-   Portland Car Insurance Agents
-   Prosper Car Insurance Agents
-   Providence Village Car Insurance Agents
-   Ralls Car Insurance Agents
-   Rancho Viejo Car Insurance Agents
-   Raymondville Car Insurance Agents
-   Richardson Car Insurance Agents
-   Richmond Car Insurance Agents
-   Roanoke Car Insurance Agents
-   Robstown Car Insurance Agents
-   Rockwall Car Insurance Agents
-   Rosenberg Car Insurance Agents
-   Round Rock Car Insurance Agents
-   Rowlett Car Insurance Agents
-   Royse City Car Insurance Agents
-   Sachse Car Insurance Agents
-   Saginaw Car Insurance Agents
-   Salado Car Insurance Agents
-   San Angelo Car Insurance Agents
-   San Antonio Car Insurance Agents
-   San Benito Car Insurance Agents
-   San Juan Car Insurance Agents
-   San Marcos Car Insurance Agents
-   Schertz Car Insurance Agents
-   Schulenburg Car Insurance Agents
-   Seabrook Car Insurance Agents
-   Seguin Car Insurance Agents
-   Seminole Car Insurance Agents
-   Sherman Car Insurance Agents
-   Sienna Plantation Car Insurance Agents
-   Silsbee Car Insurance Agents
-   South Houston Car Insurance Agents
-   Southlake Car Insurance Agents
-   Spring Car Insurance Agents
-   Springlake Car Insurance Agents
-   Springtown Car Insurance Agents
-   Stafford Car Insurance Agents
-   Stamford Car Insurance Agents
-   Stephenville Car Insurance Agents
-   Stinnett Car Insurance Agents
-   Stratford Car Insurance Agents
-   Sugar Land Car Insurance Agents
-   Sulphur Springs Car Insurance Agents
-   Sweetwater Car Insurance Agents
-   Tatum Car Insurance Agents
-   Taylor Car Insurance Agents
-   Temple Car Insurance Agents
-   Terrell Car Insurance Agents
-   Texarkana Car Insurance Agents
-   Texas City Car Insurance Agents
-   The Colony Car Insurance Agents
-   The Woodlands Car Insurance Agents
-   Tomball Car Insurance Agents
-   Tulia Car Insurance Agents
-   Tuscola Car Insurance Agents
-   Tyler Car Insurance Agents
-   Universal City Car Insurance Agents
-   University Park Car Insurance Agents
-   Uvalde Car Insurance Agents
-   Van Alstyne Car Insurance Agents
-   Vernon Car Insurance Agents
-   Victoria Car Insurance Agents
-   Vidor Car Insurance Agents
-   Waco Car Insurance Agents
-   Watauga Car Insurance Agents
-   Waxahachie Car Insurance Agents
-   Weatherford Car Insurance Agents
-   Webster Car Insurance Agents
-   Wellington Car Insurance Agents
-   Weslaco Car Insurance Agents
-   West Car Insurance Agents
-   Wharton Car Insurance Agents
-   Wheeler Car Insurance Agents
-   White Oak Car Insurance Agents
-   Whitesboro Car Insurance Agents
-   Wichita Falls Car Insurance Agents
-   Willow Park Car Insurance Agents
-   Winnie Car Insurance Agents
-   Winnsboro Car Insurance Agents
-   Winters Car Insurance Agents
-   Wylie Car Insurance Agents
-   Yantis Car Insurance Agents
-   Yoakum Car Insurance Agents