In 2020, Texas witnessed 1.50 deaths per hundred million miles due to road fatalities. This was a noticeable increase from 2019, where the number stood at 1.26.
Texas is an at-fault state, which means that the financial responsibility of the damages falls upon you if you are responsible. Suppose an accident involves personal injury or death due to your fault. In that case, Texas law requires you to stop your vehicle and return to the scene immediately.
In case of car accidents, you have to show that you can pay for any damage. Therefore, having auto insurance with minimum coverage is a necessity. If you are looking to buy car insurance in Texas, it is advisable to do some research beforehand. It will ensure that you find the best coverage that offers maximum protection during emergencies.
What are the insurance requirements in Texas?
The law of Texas requires you to have a minimum coverage of at least 30,000 USD per injured person and a total of 60,000 USD per accident.
The primary coverage usually covers the medical bills and property damage costs in an accident. For property damage, the amount is 25,000 USD.
Types of Coverage
There are eight different types of car insurance coverages in the state of Texas:
- Liability coverage – it pays for the other driver’s car. It also covers their medical bills and expenses.
- Collision coverage – it covers the cost of repairs or replacement of your vehicle after an accident.
- Underinsured Motorist coverage – it is helpful if you are hit by someone who does not have insurance.
- Towing coverage – If your car is towed and is severely damaged, the towing coverage will take care of that.
- Medical payments coverage – it will pay your medical bills, even if you were driving someone else’s vehicle.
- PIP coverage – it covers medical bills along with lost wages and related costs.
- Rental reimbursement – it comes into play when you need a rental car after yours has been stolen.
- Comprehensive coverage – takes care of all costs if your vehicle is vandalized or damaged by natural causes like floods or fire.
Things to check before buying an insurance
- Take the liability factor into consideration
It is better to go with coverage that allows you to utilize more than the official minimum amount. Cars can be costly, and so is the healthcare treatment that is often necessary after a crash.
If the other car driver sues you for all the additional costs incurred by them, you can rely on your coverage to pay the extra money.
- Always compare the policies
Comparing the prices and policies will give some idea about your insurer in Texas. You should check the policy period, premium, financial rating, consumer complaint index, available discounts, and coverage limits. You could also ask them to provide you with a policy disclosure, which they are bound to do by the laws of Texas.
- Pay attention to the deductibles
In insurance terms, the deductible is the amount of money you have to pay before the insurance company starts paying. It could either be a percentage or a specific dollar amount.
If your deductibles are higher, your premiums will be higher too. One way of deciding the right deductible is determining how much you can pay after an accident.
- Check if the insurer has a license
Auto insurance companies in Texas must obtain a license from the Texas Department of Insurance. Therefore, ask your company whether they are licensed and whether or not it is updated.
Being well-informed about car insurance policies and providers beforehand can help you buy the best car insurance in Texas.
You never know when you might need one. Therefore, having proper and comprehensive coverage will ensure that you are financially secure if a mishap occurs.

Ayesha completed her Doctor of Philosophy in Biochemistry and started her career as a College Lecturer in 2013. Today, she’s a happy mom of 2 Kids in the field of digital marketing. She loves reading books, spending time with her family, and making delicious food for her husband.