Car insurance comparison Texas
Did you know that in Texas you could get a discount on your car insurance just for taking a drug and alcohol awareness course? Learn more about Texas auto insurance laws, rates, and programs.
Car Insurance RequirementsTexas requires you to be able to pay for any damages and injuries from a car accident you caused. Most people buy liability car insurance to fulfill this law.
If you choose to buy liability insurance to comply with the law, your policy must have the following minimum limits:
Other Car Insurance
Texas only requires you to have liability insurance, but there are other optional types of car insurance coverage available to help protect you financially, which include:
NOTE: If your car is being financed, your lending or leasing company will require you to carry both collision and comprehensive coverage for your car.
Car Insurance Alternatives
Buying liability insurance is the most common way to cover your financial responsibility, but you do have other options:
Proof of Insurance in Texas
Your car insurance company will give you an insurance card to use as your proof of car insurance. You must show a proof of insurance when you:
You should get a new car insurance card from your insurance carrier every time you renew your auto insurance. Most insurance companies offer a minimum term of 6 months on a policy.
Among the agencies that use TexasSure are:
If there are issues with your Texas car insurance information, you may receive one of the following notices:
Violation Fines and Penalties
Violating Texas car insurance laws can bring harsh consequences, including the following fines and penalties:
Texas Automobile Insurance Plan Association
Drivers with poor driving records may have a hard time finding car insurance. If 2 insurance companies have refused to insure you, you can buy your car insurance through the Texas Automobile Insurance Plan Association (TAIPA).
To be eligible for the TAIPA program, you must:
Through TAIPA, you will be covered for the minimum required liability coverage PLUS:
TAIPA only allows you to purchase annual policies, but you do have various options for payment, which include:
If you have been issued car insurance through TAIPA and have gone 3 years without a car accident or traffic ticket, your insurance carrier must take you out of the TAIPA program and offer you standard car insurance at a lower rate.
Help With Your Car Insurance Complaints
The Texas Department of Insurance (TDI) offers assistance for complaints you might have with insurance companies, including your car insurance carrier.
The most common complaints TDI helps resolve involve:
TDI cannot assist you with the following:
Driving While Intoxicated (DWI)
The Texas Department of Transportation estimates that someone is hurt or killed in an alcohol-related accident every 20 minutes. Drinking and driving can be costly, not only to your safety but to your wallet. DWI convictions can increase your car insurance rates. The best way to avoid this is not to drink and drive.
Drug and Alcohol Driving Awareness Discount
To help promote safe driving, Texas car insurance companies are required to offer you a 5% discount off your car insurance premium for voluntarily taking a Texas Education Agency (TEA)-approved drug and alcohol awareness course.
You are not eligible for this discount if you have been convicted of a drug- or alcohol-related charge in the past 7 years. You are eligible for the discount after 7 years has passed since your conviction.
Staying safe can not only keep your car insurance premiums from rising; it can help you find affordable insurance from the start. Get a quote on car insurance today and see how much you can save.
Most Stolen Cars in Texas
If your car is highly targeted for theft, you may have to pay a little more for car insurance.
- Ford Pickup (Full Size).
- Chevrolet Pickup (Full Size).
- Dodge Pickup (Full Size).
- Honda Accord.
- Honda Civic.
- GMC Pickup (Full Size).
- Chevrolet Tahoe.
- Toyota Camry.
- Chevrolet Impala.