- First, determine how much insurance coverage you need and want. Use our insurance calculator to determine your needs.
- Second, consider such factors as a company’s financial rating and complaint index. Check out JD Power or AM Best sites for more info.
- Finally, a clean driving record will save you money on your auto insurance. Ask for a safe driver discount.
Cheap Car Insurance in Texas
Every state has rules and regulations set to govern the minimum levels of auto insurance coverage drivers will need to carry. No-fault insurance refers to a form of coverage similar to liability insurance, except that it covers the policyholder regardless of who is at fault.
Texas is not a no-fault state, and doesn’t presently require this form of insurance. In most situations, it falls on the driver who is at fault to pay for all the damages. This is why it requires bodily injury liability insurance as well as property damage liability insurance.
The limits imposed by Texas are 30/60/25. This means that each injured person will need to be covered up to $30,000 to a $60,000 maximum per accident. In addition, $25,000 in liability will be needed for property damages.
Please be advised that these are the minimum levels of coverage required and that drivers often choose to have additional coverage.
Personal Injury Protection
Personal Injury Protection is, in essence, no-fault insurance. As the name suggests, it covers you, the policyholder, not others regardless of who is at fault. It functions similarly to bodily injury liability insurance as it will cover you for medical expenses, lost wages, and other damages.
The State of Texas does not presently require this form of insurance.
Teen Auto Insurance
Texas has a GDL program in place, as do many other states. GDL stands for Graduated Driver Licensing, and is aimed at inexperienced team drivers. The way that it works is by giving teens more driving privileges as they progress and get more experience. It’s designed to decrease the number of accidents caused by inexperienced teens.
Instruction Permit requirements:
- Minimum Age: 15 years
- Pass written and vision exams
- Social Security Card
- Birth Certificate
- Proof of graduation or enrollment in school
- Completion of a driver’s ed. course approved by state
- Application signed by parents
In order to apply for a Provisional License, teens need to maintain the instruction permit for a minimum of 6 months. Permits are valid for a year, during which teens should be getting 50 hours of driving practice. In addition, you must be at least 16 to get a provisional license, and must take road, vision, and written tests.
The following restrictions apply:
- Teens with an Instruction Permit are to be supervised at all times by a licensed driver at least 21 years of age. Furthermore, that licensed driver must have at least 1 year of experience driving, and must sit in the front passenger’s seat.
- Teens with a Provisional License: Those under 18 may not have more than one passenger under 21 unless they’re immediate family.
- Curfew: Teen are not allowed to drive between the hours of midnight and 5 AM unless they are going to school, there is an emergency, or they are going to work.
- Provisional License restrictions will last for 6 months.
– These will be lifted if the teen maintains a clean driving history
- Any violation could result in a delay in getting an unrestricted license (Sometimes up until they become 18). Texas local government resources.
Texas Department of Insurance
333 Guadalupe, Austin 78701
P.O. Box 149104, Austin 78714
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Texas State Government Website