Texas Auto Insurance Buying Guide

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Texas auto insurance laws offer a self-insurance option, but only for the owners of twenty-five or more cars. These people can make a deposit of $55,000 with the county comptroller and go on their merry way. However, if you do not have twenty-five cars, you will need to buy auto insurance in Texas!

Before we explore how to choose the right auto insurance company, here are a few details on the mandatory minimum auto insurance requirements in Texas. The minimum mandatory insurance coverage you need to purchase by law is:

  • $25,000 for bodily injury liability for one person
  • $50,000 for everyone else who rides with you and can be hurt in an accident
  • $25,000 in property damage liability per incident.

Mandatory Auto Insurance Requirements in Texas

Now that you know the minimum insurance coverage requirements, let’s discuss the insurance parameters and how you can wade your way through so many options.

The auto insurance terms that you should become familiar with are:

  • Bodily injury liability: For protection from injuries resulting from an accident
  • Medical Payments: To cover hospital bills of you or your beneficiaries injured in an accident
  • Property damage liability: From homeowner’s insurance for damage caused by an automobile to public and private property
  • Collision: To pay the bills for repairs of your vehicle in case of a collision with another vehicle or a piece of property
  • Comprehensive Physical Damage: This includes payments for repair bills caused by vandalism, natural causes and other cases not falling under other benefit types.

When you enter the auto insurance market, you can save on premium expenses with a comprehensive search and comparison tool such as offered on this site.

The Best Auto Insurance Company for Texas Residents

In order to determine the amount of insurance you want, you’ll have to assess your particular needs. If you have a family or have to protect a high level of assets, then you may get more auto insurance than the minimum state requirements.

Think of the premiums you pay as an investment on your part toward peace of mind and a secure financial future. When looking for a reliable insurance company, you might do a little research of the public trading of their stocks. You may also consider calling the Texas insurance regulator to learn the insurance company’s standing, as well as their market value and their legal ability to sell a policy in Texas.

For a simpler approach, you may want to shorten the list to 3-5 well known auto insurance companies, and make the assumption that they can sell auto insurance in Texas – because they advertise there. Then look closely into each provider’s insurance offerings, and pick the top three you like the most. Do a detailed comparison on the same level of insurance coverage and review their customer satisfaction ratings.

The insurance companies you choose will need to know your driving history. They will use the number of accidents you have been in, or the traffic violations you have committed to determine the level of risk involved in providing a policy. You will also be asked to provide the amount of miles you commute to work. In addition, they’ll need the make, model, mileage and safety features of your vehicle.

Remember that a profitable insurance shopping experience involves a close comparison of similar coverage types between competing insurance companies. You can often enhance your savings by signing up for seasonal or regional specials the companies often promote.

Here at SR22Texas.org we have teamed up with all major Texas auto insurance providers to simplify the process of buying auto insurance. The banner below and at the top of this page will allow you to compare policies and rates of the top auto insurance providers in Texas.

CALL US NOW (Mon-Fri, 8am – 5pm PST) Call Us for a Free Quote of your Texas Auto Insurancefor a FREE QUOTE or fill out this form:

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