Texas Car Insurance

Texas is a great state, from the Lively nightlife, so the music in hot temperatures and not to forget their Famous BBQ, what else can you ask for? It’s a great place for you to sit back relax and enjoy. but the only nuances studies show that 20% of drivers in Texas are uninsured drivers. So chances are but if you were to get into an accident there’s a possibility you may be in a situation where the other driver has no insurance. Soda helps you out we’re here to give you insight on everything you need to know about car insurance in Texas.

Require Coverages

As a driver in Texas, you are legally required to have car insurance. There is a minimum requirement you must have, but if you so choose you can offer higher limits for Extra Protection. Here are the minimum requirements you need to have to legally drive.

  • $30,000 in bodily injury coverage per person
  • $60,000 of bodily injury coverage per accident
  • $25,000 of property damage per accident

Optional Coverages

Like you said before if you want higher coverage amounts on your insurance, here are some optional coverage is available to you. Keep in mind that these very by company to company and you should ask in detail to see if it’s right for you.

  • Comprehensive insurance
  • Collision  insurance
  • Personal injury protection
  • Medical coverage
  • Roadside assistance
  • And more

Average Cost of Insurance in Texas

Texas is one of those places a lot of people will decide to go live simply because of the climate. And with it being so hot, I guess it’s a little bit of a punishment for your car insurance is a little bit higher when compared to those who have to endure winter. On average people in Texas pay about $1,800 annually on car insurance which you’re looking at about 28% higher than the average.

Texas a no-fault State?

Texas is a state where you are denied are at fault or not. They got a little bit more granular, but realistically they’re considered to be at fault state. So if you’re at fault in an accident and proven to be higher than 50%, your insurance company will be paying for the damages.