Auto insurance laws in Texas require drivers to have liability coverage and personal injury protection (PIP) unless they explicitly reject it by signing a waiver. These prices are only estimates based on rates for an average Texas driver and should not be used to compare insurance prices. As a liability state, Texas auto insurance laws require at-fault drivers to cover expenses incurred in an accident. Since insurance in Texas is generally based on the car, you'll still be covered regardless of who's behind the wheel in the event of an accident. Depending on the type and amount of insurance you have, your insurance company (or the insurance company of the responsible driver in the event of an accident you didn't cause yourself) may not only pay for medical bills and car repairs, but also for a car rental, court fees, and other costs.
If you can't show your insurance card during a traffic stop, you may get fines and penalties, especially if you have an accident. Knowing the different types of coverage can help you decide what insurance to buy, as well as navigate the insurance system in the event of an accident. In addition to liability coverage, personal injury protection or PIP protects you against expenses incurred in an accident you caused. This type of insurance protects you if you're injured in an accident caused by a driver who didn't have insurance or didn't have enough coverage to cover the damage. While Texas doesn't require drivers to have insurance against uninsured or underinsured drivers, it's a good idea to consider including it in your policy. While Texas auto insurance laws require that your policy meet at least the state's minimum coverage requirements, this may not be enough for a leased vehicle.
Uninsured motorist insurance isn't part of the minimum car insurance requirements in Texas, but it's a good idea to buy it. An exception to this is that when you rent a car in Texas, insurance can follow the driver's example if you've purchased additional coverages that extend to rental vehicles. The Insurance Law Section is an official, sanctioned section of the Texas State Bar Association that consists of approximately 2,300 members. If you're looking for a policy that balances quality with affordability, MoneyGeek also ranked the top car insurance companies in Texas.
