Cheaper Texas Auto Liability Insurance
Anybody who has spent some time in Texas knows that the state is famous for its sometimes hard stance on crime. But in a state this big, strict rules are often necessary to keep the peace. And so it goes with auto insurance laws. Now, auto liability minimums aren’t excessively high in Texas, and the average premium in the state is lower than nearly half the other states in the country. All the same, Texas does enforce these laws with much rigor, as well they should. This is the reason why Texas has far fewer uninsured drivers than neighboring states like Arizona or Louisiana, where in some districts one out of every four drivers is driving without insurance.
At any rate, the minimum property damage liability in Texas is $25,000. This is about par for the course for most states, but you might want to consider getting a higher coverage than the minimum. If you’re at fault for an accident and the repair costs exceed twenty-five grand, you’re going to end up paying for the difference out of pocket if you didn’t choose to get more coverage than the minimum.
As for bodily injury, Texas requires at least thirty thousand dollars in personal injury protection and $60,000 for any subsequent passengers. Again, this is the minimum and it wouldn’t hurt to get more liability coverage if you can afford it. But $30,000 isn’t too bad for medical bills, especially considering that many states only require ten to fifteen thousand dollars in personal injury protection.
Now here comes the scary part: If you choose to drive without these minimum coverage figures, you will be punished to the full extent of the law. The first infraction will get you a fine of up to $350. Get caught again and you may be facing impoundment, a suspended license and a thousand dollar fine. And the worst bit? Texas law enforcement uses a computer program called TexasSure and it allows them to tell in real time whether any driver is driving without the minimum liability coverage. In other words, it is extremely easy to get caught even if you’re obeying traffic laws. Your best bet, then, is to make sure you’re fully covered and legally able to share the road with other responsible drivers. After all, driving is a privilege and it should be treated as such. Other than that, just remember to drive safe and we’ll see you out on the highway.
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