If you are a resident of Texas in need of the best and most affordable car insurance coverage, we can help you find exactly what you need. With Cheapcarinsuranceco.com drivers can find the state mandated minimum coverage they need to drive legally, but they can also get excellent prices on additional coverage options. No matter what type of coverage you need, we are confident that we can provide the best prices and the best service. We invite you to shop around, and we are confident that you will come back to us.

Texas Car Insurance Requirements

In Texas drivers are required to maintain a minimum of $20,000 in bodily injury liability coverage, up to a total of $40,000 coverage in each accident. The state law also dictates that all drivers carry property damage liability coverage with a minimum coverage level of $15,000. In the insurance industry this is known as 20/40/15 coverage.

Texas Insurance Coverage:

Bodily injury liability: $20,000/$40,000 minimum

Property Damage Liability: $15,000 minimum

The state of Texas follows the Tort system, in which the party found to be responsible for causing the accident is also responsible, along with the insurance company, for repairing the damages caused in that accident. The exact Tort laws vary from state to state, and becoming familiar with those laws helps drivers choose an appropriate level of coverage.

While drivers are required to purchase minimum mandated coverage in Texas, those drivers can also choose to purchase optional coverage for themselves and their vehicles. For example, drivers can add coverage for uninsured and underinsured motorists. This provides protection in the event the driver is involved in a crash in which the other driver did not have sufficient insurance coverage in place.

You can come to Cheapcarinsuranceco.com for a quote on the state mandated minimum coverage you need to stay legal behind the wheel. While there you can also request a quote on additional coverage options and benefits. No matter what your insurance needs, we are confident that you will find our prices and our service very competitive indeed.