In the state of Texas, auto insurance is the law. All Texas state drivers must carry minimum auto liability insurance in the amount of 30/60/30. This means in order to operate a vehicle on Texas streets and highways, you must carry:
$30,000 of Liability Bodily Injury coverage per person injured
$60,000 of Liability Bodily Injury coverage per accident
$30,000 of Property Damage coverage per accident
Liability auto insurance refers to insurance against loss resulting from civil liability for injury or damage to the persons or property of others. The Texas Department of Insurance strongly urges motorists to purchase higher amounts of auto insurance than the legal limits plus uninsured/underinsured motorist insurance (UM/UIM). More than 15% of all Texas motorists are uninsured. This type of insurance will protect the states insured drivers against the nearly 2.5 million Texas drivers that defy state laws and drive without insurance. Unfortunately, millions more drive with inadequate insurance.
If you decide to drive without auto insurance in Texas, you risk losing more than your life savings if you are involved in an auto accident. If you are caught driving without insurance in The Lone Star State, you will be fined $175-$350 for a first offense, monetary penalties increase with second and third offenses. Your license will be suspended for a second offense.
Purchasing insurance in Texas is simple. Sites like Insuredonline.info provide drivers the choice of insurance companies serving their area. The average yearly cost for Texas automobile insurance is $1,563. Compared with the financial risk and anxieties related to driving without insurance, this is a small price to pay.
