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Texas liability insurance is there to protect your finances when uncertainty strikes on the road. Say you’re driving along Interstate 30 and there’s a slowpoke in front of you. You go to switch lanes but don’t see the pickup truck coming up next to you. You hit the truck and send it careening into the guardrail. Everyone is OK, but the other driver’s pickup is kaput.
Without insurance, you’d be responsible to pay the other driver for a replacement truck. But you have enough liability car insurance to foot the bill on your behalf.
Liability car insurance is required to drive legally in Texas and pays for injuries and damage you cause if you’re found at-fault after an accident. But it won’t pay for everything.
Keep reading to learn:
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What Texas liability insurance covers (and what it doesn’t).
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The minimum liability insurance required in Texas.
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The average cost of minimum-required car insurance in Texas.
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The consequences of driving without liability insurance in Texas.
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What does Texas liability insurance cover?
When you buy liability car insurance in Texas (or anywhere else for that matter), you’ll notice it comes in two parts:
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Bodily injury liability. This pays others’ costs for things like medical bills, lost wages, pain and suffering and funeral costs if they’re injured in a traffic-related accident you cause. It can also cover your own lawyers’ bills or court fees if you’re sued after an accident.
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Property damage liability. This pays others’ costs to repair property you damage in a traffic-related accident you cause, such as someone else’s car or fence. It may even pay for other people’s belongings destroyed in a car accident, or a rental car for the other driver.
What happens if I drive without liability insurance in Texas?
You don’t mess with Texas — and that includes Texas law. The penalties for driving without liability car insurance in Texas depend on the number of times you’ve been caught. But generally, you can expect:
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Fines as high as $1,000.
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Impoundment.
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Suspended driver’s license and car registration.
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Higher car insurance premiums.
Frequently asked questionsIs liability car insurance required in Texas?
Yes. You must have liability insurance if you drive your own car and live in Texas. You may also be required to pay for comprehensive and collision insurance if you lease or finance your vehicle.
How much Texas liability insurance do I need?
You’re required to have a minimum of 30/60/25 liability insurance in Texas. That means you must have at least $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident and $25,000 in property damage coverage per accident. Your insurer will ensure you have at least these minimum coverage amounts when shopping for insurance.
Where do I find my Texas liability insurance card?
Many insurance companies mail you your insurance card after beginning or renewing a policy. You may also print your insurance card online or store it digitally on your phone or through your insurer’s app. Keep this card handy in case a police officer asks you for proof of insurance or if you want to register your car or renew your driver’s license.
Is liability car insurance required in Texas?
Yes. You must have liability insurance if you drive your own car and live in Texas. You may also be required to pay for
comprehensive and collision insurance
if you lease or finance your vehicle.
How much Texas liability insurance do I need?
You’re required to have a minimum of 30/60/25 liability insurance in Texas. That means you must have at least $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident and $25,000 in property damage coverage per accident. Your insurer will ensure you have at least these minimum coverage amounts when shopping for insurance.
Where do I find my Texas liability insurance card?
Many insurance companies mail you your insurance card after beginning or renewing a policy. You may also print your insurance card online or store it digitally on your phone or through your insurer’s app. Keep this card handy in case a police officer asks you for proof of insurance or if you want to register your car or renew your driver’s license.