Car Insurance

What a beautiful road in Texas with a view of the Rio Grande! There is nothing like being on the open road in this great state. But are you driving with the right insurance coverage for your automobile? Check out our top 10 lists for coverage, and read up on some of the state requirements for driving in Texas and the insurance that is required.

Listed on the sidebar is the top rated car insurance in Texas as well as the most popular car insurance. Note the most popular by market share is not necessarily the most highly rated. The popular ones seems to be the ones well marketed and national brands. Be sure to shop around for best quality AND price.

Texas Car Insurance Minimums

Most Texas drivers are required to carry liability insurance. The minimums are as follows:

• $30,000 bodily injury/death liability coverage per person
• $60,000 bodily injury/death liability coverage per accident
• $25,000 property damage liability coverage per accident

If you are in an accident these coverages pay for the injurred parties treatment and property damage, it will not cover your own. Be careful if you are only purchasing the minimum, as these numbers are easily surpassed and once you go over the limit, the rest comes out of your own pocket

Texas Car Insurance resources

• Texas Department of Insurance
• Texas Department of Motor Vehicles

Alternatives in Texas to buying Car insurance

There are legal "exceptions" and alternatives to buying insurance in Texas:

• Through the Department of public safety you can qualify for a certificate of self-insurance. This option is only available if you possess more than 25 vehicles.
• Deposit $55,000 with the county in which your vehicle is registered
• File a surety bond with Department of Public Safety in Texas. The minimum filing must meet the state's minimum liability listed above.