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Texas Insurance. The Cheapest Insurance In Texas
Cheap Car Insurance in Texas

The Most Affordable Car Insurance: All about Liability Insurance in Texas

We’ll get you a quote as buttery as Texas toast!

Minimum Liability Requirements for Texas:

30 /60 /25

By Veronica Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

Liability Insurance In Texas: What is Liability Car Insurance?

If you are looking for cheap car insurance in Texas, and need the bare minimum only, you will need to start with checking out just liability insurance in Texas.

What is Liability Insurance? Liability insurance in Texas, or in any state for that matter, is the minimum coverage required by law. Each state has their own specific requirements. Also known as third party insurance, this protects the at-fault party and pays the damages incurred to the other party’s vehicle and health. Liability insurance in Texas pays the repair costs of the vehicle that was hit, as well as the other driver’s medical expenses, if there are any.

However, it is important to know that liability insurance in Texas coverage does not cover the expenses incurred upon the driver of the vehicle that caused the accident.

Therefore, it is highly recommended that when purchasing an insurance policy for your vehicle, examine ALL of the coverage options available, not just liability insurance in Texas.

Non required, but very helpful coverages may include: personal injury protection, medical payments, collision and comprehensive payments. These additional coverage options will add some comfort to the payer of the damages by significantly reducing the price of the overall cost of the accident.

Liability Insurance in Texas: Is it the only Way to Get Cheap Car Insurance?

What is considered cheap car insurance in Texas?

The short and simple answer: liability insurance in Texas (liability only as opposed to full coverage).

The long answer: Check with your agent about all other Texas insurance coverage options. While liability insurance in Texas is typically the cheapest option for your vehicle, there might not be a significant change in your premium if you add on other coverages.

Look at some of the average liability insurance in Texas prices that different auto insurance carriers offer, and notice that the monthly payment for full coverage isn’t always that drastic.

Texas Insurance. The Cheapest Insurance In Texas
Insurance CompanyAvg. Monthly Liability OnlyAvg. Monthly Full Coverage
Acceptance RTR$90$171
Progressive Insurance$99$138
National General$106$124
The General$106$149
Dairyland$107$175
Mendota Ins. Company$109$184
State Farm$110$140
Nationwide$117$167
AssuranceAmerica$119$162
GAINSCO$120$161
USAA$123$146
Allstate$131$155
Bristol West$132$135
Liberty Mutual$135$183
Geico$136$181
Texas Insurance Rates will vary based on multiple factors, but it’s still possible to find cheap car insurance in Texas, full coverage or liability only.

Texas insurance companies look at a long list of rating factors when determining your insurance rates, and perhaps you are among the demographic that would qualify for cheap car insurance in Texas. So just ask, it will only take 10 minutes out of your day, and you might discover that you can afford beyond just liability insurance in Texas.

Liability Insurance in Texas Vs. Full-Coverage: How Do I Choose?

To see the main differences between liability insurance in Texas and full coverage insurance, take a look at the chart below that breaks it down for you.

The Basics: Liability Insurance In Texas Full Coverage Insurance In Texas
CostLiability Insurance In Texas is less costlyFull Coverage In Texas Is more expensive
Types of Coverage Included-Covers Cost of Bodily Injury and property to other driver if you are at-fault-Covers Cost of Bodily Injury and property to other driver if you are at-fault
-Comprehensive and Collision
Required by Law?Yes, must have limits of at least 30/60/25 Not required by law, but might be required by a lienholder if financing your vehicle.
Deductible Involved?NOYES

There are several factors that will help you decide which coverage is right for you: liability insurance in Texas or Full Coverage?

For example, if your car is new and very expensive, you most definitely want to get full coverage. However, if your insurance costs are more than 10% of your car’s value, liability insurance in Texas might be all you need.

Try out our calculator below to see what might be the best fit for your situation.

Should I Get Full CoverageCalculator


What You Need to Know Before Purchasing Liability Insurance In Texas

Prior to purchasing insurance for your vehicle, especially liability insurance in Texas, it is important to examine the coverage amounts.

The minimum coverages or required coverage that the state of Texas mandates for liability auto insurance is written as 30/60/25.

The “30” figure represents $30,000 that will be covered for each injured person.

The “60” figure represents $60,000 of total costs of expenses that will be covered.

The “25” figure represents $25,000 of property damage that will be covered per accident.

Due to the increasing costs of today’s automobiles and medical care, the minimum liability insurance may not suffice in covering all expenses. In that case, the driver will need to pay the difference of the total cost of expenses and the amount covered from the liability insurance in Texas.

Auto insurance rates vary among the different offering companies. Therefore, it is recommended to shop around and ask for price quotes. Be aware, prices will also vary accordingly to the amount of costs that will be covered by the contract. It is important to read all of the fine print prior to purchasing coverage as it could potentially save the buyer a lot of money.  Texas liability insurance is required.

How to Shop for the Most Affordable Liability Insurance In Texas

When talking to your agent, make sure to ask them about available Texas insurance discounts and how to add it to your policy.

Some of these discounts can really add up and save you a couple hundred dollars in a year for your Texas insurance policy.

Take a look at the insurance discounts below and see if your insurance company offers a discount that you could qualify for.

Dairyland Insurance Discounts
Continuous Insurance
Auto Pay
No Accidents or Violations
Military
Paid in Full
Multi Vehicle
Multi Policy
Homeowners
Married
Dairyland is a great option for cheap Texas insurance!
Mendota/Advantage Auto Discounts
Continuous Insurance
Auto Pay
Married
Multi Vehicle
No Accidents or Violations
Homeowners
Paid in Full
We are often shocked at the cheap Texas insurance rates we find with Mendota!
Travelers Auto Insurance Discounts
Multi Policy
Continuous Insurance
Auto Pay
Married
Multi Vehicle
Homeowners
No Accidents or Violations
Paid in Full
Bundling Texas insurance products? Travelers is one of our go-to’s.
Progressive Auto Insurance Discounts
No Accidents or Violations
Paperless Discount
Homeowners
Multi Policy
Multi Vehicle
Auto Pay
Education Discount
Military
Married
Advanced Quote
Continuous Insurance
Paid in Full
Progressive offer the most discounts for Texas insurance products that we have seen.

What Happens If I don’t have Texas insurance for my vehicle?

For Texas insurance holders, a person is required to prove they are able to cover the minimum amounts if they are involved in an accident.

There are a number of times you might need to prove you are able to cover the financial responsibility for an accident, including if you are pulled over by a police officer, if you are in an accident, if you renew your driver’s license, or if you have your car inspected.

What are the penalties for failing to have adequate coverage?

Welcome Center-Auto Insurance
Don’t let a joy ride turn into a nightmare. Texas insurance can be cheap. Just get it.

If you cannot show that you have the appropriate coverage for Auto Liability insurance Texas, you face a fine of $175 to $350 for a first offense.

After this, you could receive fines of up to $1,000, the suspension of their driver’s license, and the impounding of their vehicle.

The fines are harsher if you do not have a driver’s license or if you cause an accident with serious injuries or death. In these last two cases, you could even be required to spend time in jail.

Coverages beyond Liability Insurance in Texas

Each Texas insurance policy can have different details so it’s important to read a policy thoroughly before selecting it.

Some policies only include the driver’s names on the policy, exclude vehicles used for a business, excludes racing, or excludes coverage for any intentional acts.

For Texas liability insurance, policies generally cover medical or funeral costs, lost wages, car repair or replacement, car rental, and punitive damages awarded by the court to the other driver in the accident caused by the policyholder.

Most of the time, it will include the policyholder, family members living in the same household, other people driving the car with permission, and family members attending school elsewhere.

Additional Types of Texas Insurance Coverage

For additional coverages, a person needs to consider purchasing a full coverage policy. Even if cheap car insurance in Texas is your goal, it could be worth it to up your coverages. This involves having at least comprehensive and collision but there are other optional coverages to think about.

Comprehensive and collision: Covers physical damage to your vehicle even if you were at fault. Comprehensive pays for damage from another incident not caused by a vehicle, such as flood, hail, animal damages, etc. Collision pays for damage resulting in an accident with a vehicle, object, or pothole.

Personal Injury Protection/PIP: Sometimes required in certain states, this would cover the policyholder’s medical bills and loss of income, and pays out no matter who is at fault. Texas requires personal injury protection coverage of at least $2500.

MedPay/Medical Payments Coverage: This coverage also required in certain states (not required for Texas insurance), pays for medical expenses up to a certain limit, and would cover the injuries of the passengers as well.

Uninsured or Underinsured motorist coverage/UM and UIM: Uninsured insurance covers a motorist if they are involved in a hit and run or with someone who does not have insurance at all. If an accident is caused by a person who has an insurance policy, but doesn’t have sufficient insurance, this would be covered by underinsured insurance. Texas insurance does not require motorists to have either of these, although many states do.

Who Can Help You find Cheap Liability Car Insurance in Texas?

Many people are interested in purchasing liability insurance in Texas, or cheap insurance in Texas for their vehicle but aren’t sure where to look.

Whether they’re interested in just liability insurance in Texas insurance or in a policy that covers a variety of situations, they’re going to want to look around before choosing a policy.

One way to find out which policies will include everything they need for a fantastic price, is for them to work with a company that can get multiple quotes for them.

At A Plus Insurance, we pride ourselves on helping our clients find the best possible rate for their situation while still being low pressure.

Working with us can save a lot of time and help you find the best policy within your budget.

Texas Insurance: Cities We Serve

Below are just some cities in Texas that we have been very competitive and found low cost insurance.  If you live in one of these cities, click to find out more about cheap car insurance in Texas!

Cheap Car Insurance in Texas in Your City!

BedfordLancaster
BurlesonLeander
Cedar HillLittle Elm
ChannelviewLufkin
CleburneMission Bend
CoppellNacogdoches
Copperas CovePflugerville
Deer ParkPort Arthur
Del RioRockwall
DeSotoRosenberg
DuncanvilleRowlett
El PasoSan Juan
EulessSan Marcos
Farmers BranchSchertz
FriendswoodSherman- Done
GalvestonSocorro
GrapevineSouthlake
Haltom CitySpring
Harker HeightsTexarkana
HarlingenTexas City
HuntsvilleThe Colony
HurstWaxahachie
KellerWeatherford
KyleWeslaco
La PorteWylie
Cheap car insurance in Texas is possible, just ask us!

We also Serve the following cities! Call us Toll Free at 888-445-2793 for more information on how to get cheap car insurance in Texas

Waco | Larado | Round Rock | Allen | Georgetown | Arlington | Cedar Park | Corpus Cristi | Port Arthur | Mason | Labelle | Belton | McAllen | Beaumont | Lott | Mcallen | College Station | Odessa | Lubbock | Pearland | El Paso | Temple | Midland | Austin | Dallas | Pasadena | San Marcos | Prosper | Keller | Mesquite | Grand Prairie | For Worth | Lufkin | Richardson | Magnolia | Frisco | Amarillo | Hurst | Tyler | Abilene

Texas Insurance: Motorcycles and Liability Insurance in Texas

We don’t just offer cheap car insurance in Texas, but we can help you find cheap motorcycle in Texas as well!

We can give you quick quotes in order to find the lowest rates for your bike.

People do not want to have to pay more for their coverage than they should, and this is the reason that we offer to insure your Harley, Yamaha, Honda, or any other motorcycle.  Quotes are delivered in just a few minutes online.

Just like standard car insurance in Texas, someone looking to ride legally on their bike needs to have at least the minimum liability requirements for the state of Texas, which is the same as that for car insurance in Texas:

Riders will need to purchase:

1. Bodily injury liability coverage for one person in the amount of $30,000 for one person’s injuries
2. $60,000 for bodily injuries experienced by everyone hurt in the collision
3. Property damage liability coverage for property damages in the amount of $25,000

Who Needs Motorcycle Insurance?

Riders of three different types of vehicles will need motorcycle insurance quotes in TX. These three cycles are described as:

1. Motorized vehicles that have no more than three wheels and a saddle
2. A moped that has a maximum speed of 30 miles per hour
3. A motorcycle with engine displacement that is less than 250 cc

If Texans purchase their coverage in Texas before they take their motorcycles on public roads, they will save themselves the possibility of suffering the consequences of breaking TX laws. The state of TX has made it very simple for law enforcement agencies and the Texas Department of Transportation to determine who has coverage and who does not through a system called TexaSure.

The TX Department of Transportation promptly notifies motorcycle riders when they discover that there has been a lapse in coverage. Before this can happen, motorcycle riders can obtain several insurance quotes in TX to find the most affordable policy.

When you are looking for a great experience with your significant other, there is nothing nicer than a scenic ride in Texas.  If you really want to get away from it all and relax, riding a motorcycle on a Texas road is one of the best ways to calm your mind, and knowing about the right roads is key if you want to have some amazing scenic motorcycle rides in Texas.

A cruiser is a perfect bike for scenic rides.  It allows you the opportunity to slow down and take in the beautiful landscape. If you are looking for the charm of a countryside, then Willow City Loop is a great place to start. Lonesome Highway really lives up to its name. If you want a scenic motorcycle ride in Texas where you aren’t going to see other cars, this is the ride for you.

The Davis Mountains Scenic loop is a beautiful display of natural Texan beauty.  Highway 207 is a beautiful road that would make for an amazing motorcycle ride in Texas. Lastly, when you are looking for the best scenic motorcycle ride in Texas, sometimes the best option is to just go exploring!  Don’t forget to have your motorcycle insurance up to date before you start your trip.

What Are The Requirements For Motorcycle Insurance in Texas?

TX Motorcycle Insurance Laws are fairly straightforward and clear on expectations.

It behooves a motorcyclist to carefully review the laws so they can make sure they are fully covered. Without proper coverage, a person may be expected to pay thousands of dollars out of their own pocket for any damages and injuries they cause. With this information, people can be better prepared to make sure they are properly covered so it is legal for them to ride a motorcycle in the state of Texas.

The state of Texas requires motorcyclists to prove their financial responsibility for any accidents they may end up causing.

One way to prove financial responsibility is to be covered under a liability policy. Though most drivers choose liability insurance to prove financial responsibility, the law offers alternatives, including:

  • A surety bond can be filed with the clerk of court.
  • A deposit of $55,000 can be filed with the county.
  • A deposit of $55,000 can be filed with the county judge.

Helmets have been proven to save lives and are crucial for preventing deaths caused by motorcycle accidents. The state of Texas requires people to wear motorcycle helmets unless the person is over the age of twenty-one and is properly covered by a health insurance plan.

How Can Motorcyclists Be Sure They Get the Best Price and Coverage?

Those who are wondering how much is motorcycle insurance in TX can find out information by contacting an insurance agent to receive assistance. Through an agent, one can get several quotes from different carriers so they can make an informed decision on which company will offer them the biggest savings, along with providing them with the full coverage they need to protect themselves and other drivers on the road.

Though the state of Texas has set forth certain minimum requirements for Motorcycle Insurance Texas, this may not be enough coverage for some motorcyclists.

Working with an agent will ensure a motorcyclist is properly protected so they will not only meet state requirements but will also be sure they will have to pay as little as possible in out of pocket expenses, should they be held liable for an accident. Cheap motorcycle insurance, just like cheap car insurance in Texas, is possible, so let us do the shopping for you.

It is crucial motorcyclists carry the right amount of insurance or they could be subject to penalties such as fines, driver’s license suspension, and vehicle impoundment. As long as a driver maintains the right level of coverage at all times, they will not be in danger of losing their driving privileges.

Those in need of Motorcycle coverage in TX can get multiple insurance quotes through this site. They can also phone an insurance agent to receive further help in making a determination on what type of coverage they need to purchase.

Texas Insurance in a Nutshell

  • Minimum Requirements: 30/60/25
  • Personal Injury Protection: $2,500
  • Medical Payments Coverage: Optional
  • Uninsured/Underinsured Motorist Coverage: Optional
  • Rejection forms required for Uninsured, Underinsured, and PIP coverage
  • Motorcyclists: Liability Required
Insurance Texas, Cheap Car Insurance In Texas

Liability Insurance In Texas: Ask An Expert

Deciding which type of car insurance to purchase might seem daunting, but it doesn’t have to be. The path to cheap insurance is simple. Our insurance expert Amy Christie breaks it down for us.

Amy
Johnathan Doe

Amy Christie/Owner and Licensed Agent

Amy Christie, owner and co-founder of A Plus Insurance has been a licensed insurance agent for over 22 years and has saved our clients hundreds of dollars.

We asked Amy, what are your top 5 tips to potential clients on how to get the cheapest rate?

  1. Don’t let your insurance lapse.  The proof of prior insurance discount is one of the biggest discounts you can get when purchasing a new policy.  Most carriers need at least 6 months of continuous insurance without more than a 30 day gap – though to maximize the discount a 0 day gap is preferred –  to qualify for the proof of prior insurance discount on the new policy.
  2. Be a defensive driver.  We have all seen them… There are crazy drivers out there.. You can not count on what the other driver is going to do.  An alert driver is a safe driver.
  3. If you are young (under 25 years old), please please, get yourself a dependable used vehicle that does not require Full coverage.  No one wants to work and have the majority of their paycheck go to a car payment and insurance.  Bide your time, build your discounts, and keep your driving history clean.  Comprehensive and Collision coverage is significantly higher for younger drivers.
  4. Give yourself time to get to where you need to go.  Traffic happens, slow downs occur… If you know it takes 15 minutes to get to your destination, then leave the house 10 minutes earlier.  With this attitude, you are less likely to speed, weave in and out of traffic, or run a red light…. All of which can catch the eye of the police who can and most likely will write you a ticket.  Violation free discount (meaning no moving violations within the past 3 years) is another great discount for drivers of all ages.
  5. Utilize an insurance broker to shop insurance rates through a variety of different carriers.  One call can provide you multiple quotes.  An experienced insurance agent knows what questions to ask to help modify an insurance policy to fit your needs.
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Last Updated on May 20, 2022 by Veronica Moss