Secured with SHA-256 Encryption

Select Page

Full Coverage Auto Insurance in Texas – What You Need to Know

FREE Auto Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

What You Should Know

  • The average cost of full coverage auto insurance in Texas is $92 per month or $1,109 annually.
  • Texas auto insurance minimums require all drivers to carry liability insurance. 
  • Driving without the state of Texas minimum auto insurance requirements can result in a fine of up to $350

Texas insurance laws and regulations say all residents of Texas who own vehicles must have a certain amount of liability insurance to be legal on the road. But what is full coverage insurance in Texas? It includes additional policy protection, like collision and comprehensive coverage.

If you are interested in affordable full coverage auto insurance in Texas, you’re in the right place.

There are many types of auto insurance policies. Some choose to have the bare minimum amount of liability insurance required by the state while others have additional coverage. But what does full coverage auto insurance consist of and do you need it? Our guide teaches all about what is required for full coverage auto insurance in Texas and what coverage level is right for you.

Get the best full coverage auto insurance in Texas. You’ll be covered for a lot more than you would be with the minimum and can feel safer when you are in your vehicles or in vehicles belonging to others.

Can’t wait to start comparing cheap full coverage auto insurance in Texas? Enter your ZIP code into our FREE quote tool above to immediately receive rates. Not yet ready to buy full coverage auto insurance in Texas? Read our guide to learn more.

What is the minimum auto insurance required in Texas?

The average price of auto insurance in Texas is $92 per month or $1,109 annually. Every state has different auto insurance laws in place regulating how much coverage drivers much carry to legally drive on the roads. If you live in Texas and own a vehicle, you must have a certain amount of liability insurance.

The Texas auto insurance coverage minimum insurance requirements are in more detail in the table below. 

Texas State Minimum Auto Insurance Requirements
Auto Insurance Policy TypeTexas State Minimum Amount Required
Bodily injury liability (per person)$30,000
Bodily injury liability (per accident)$60,000
Property damage liability$25,000
Get Your Rates Quote Now

The minimum amount of coverage required by the state of Texas is $30,000 for each injured person with a total of $60,000 per accident and $25,000 for property damage. You may also see these coverage limits written out as 30/60/25.

Personal injury protection, or PIP coverage, is also included in every auto insurance policy written in Texas. However, you can waive this coverage in writing. PIP helps pay for medical expenses and lost wages caused from an accident.

There are some exceptions to these minimum requirements. For example, if you finance or lease your vehicle, your dealership or service-provider may require you to purchase a fuller coverage auto insurance policy.

If you’re caught driving without the required amount of liability insurance, you can face a fine ranging from $175 to $350. These fines increase if more than one offense is committed, and a third offense can lead to vehicle impound and suspension of your driver’s license. 

Having the right amount of Texas auto insurance for claims will ensure everything goes smoothly.

Of course, there are costs involved with releasing your vehicle and getting the insurance coverage you need, and on top of the fines, this can add up pretty fast. It’s best to make sure that you carry plenty of insurance, just to be on the safe side.

You can contact your local DMV for more information on what type of vehicle insurance coverage is required in Texas, driver’s ed information, and more. 

What is the Texas proof of insurance requirements? Are you allowed to show insurance on your phone? Yes, Texas is one of the states that allows insurance to be proven on a cellphone.

Finding cheap liability insurance coverage in Texas is relatively easy. However, an inexpensive policy is not always the best policy. For many drivers, the Texas driving insurance laws do not provide enough coverage to fully protect your vehicle and all of your assets.  

You may wish to upgrade to full coverage, which will provide you with many additional policy options. While the coverage might cost a little more, at least you’ll know you’re paying for services you actually need. 

Therefore, in order to find your best full coverage car insurance in Texas, our expert recommendation is that you should establish exactly what type of coverage you need before you start shopping.

FREE Auto Insurance Comparison

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What is full coverage insurance in Texas?

First, let’s discuss what is considered full coverage auto insurance in the state of Texas. Technically, there is no single way to define full coverage auto insurance. However, it usually includes your state’s minimum liability insurance requirements as well as comprehensive and collision coverages.

Comprehensive policies protect your vehicle from damage caused when the car is not in motion. Damage from animals or weather, theft or vandalism, flooding, and even fire is covered by comprehensive insurance.

Collision policies protect your vehicle from damage caused when your car is in motion. Crashing into another vehicle, a tree, or even a telephone pole is covered by collision insurance.  

How much is full coverage insurance in Texas going to cost you? Find out in the table below.

Texas Average Annual Auto Insurance Rates by Policy Type
Auto Insurance Coverage TypeAverage Annual Auto Insrance Rates
Full coverage$1,109.66
Liability$528.75
Collision$374.49
Comprehensive$206.42
Get Your Rates Quote Now

Both comprehensive and collision insurance policies have deductibles associated with them. You will be required to pay your deductible out of pocket before your insurance company steps in. If you need full coverage auto insurance on a budget, raising your deductibles can help lower your monthly rates.

Every insurance company provides slightly different full coverage options. The best way to ensure you’re getting cheap full coverage insurance in Texas is by comparing different quotes from multiple different companies. You will be able to easily see what coverages are available to you for the best prices.  

Other Texas Full Coverage Car Insurance Policy Options

You may be wondering many things about full coverage insurance in Texas. But don’t stress too much about what is required for full coverage auto insurance. Remember, there is no official full coverage definition.

For the most part, full coverage insurance will include the basic liability required for minimum coverage in your state, as well as comprehensive and collision insurance. However, this can depend on the insurance company you go with. 

What’s so good about full coverage auto insurance versus other insurance? You get to pick and choose the exact kind of coverage you need to protect you and your vehicles. 

There are a few other Texas full coverage insurance options besides comprehensive and collision policies that will be available to you. Depending on your needs, you can also purchase GAP insurance, uninsured motorist coverage, and even road-side assistance options. 

If you lease or finance your car, your lender probably requires you to carry collision and comprehensive insurance. Additionally, you might consider adding guaranteed asset protection, also known as GAP insurance. 

If you total your financed vehicle, you still have to pay off your auto loan. Your insurance company will provide you with the actual cash value of your car, but you might still owe more on the loan. If so, GAP insurance will cover that difference so you do not have to pay out of pocket. 

According to the Insurance Information Institute, at least 14 percent of drivers in Texas are uninsured. To prevent yourself from paying out of pocket for damages caused to your vehicle by an uninsured driver, you should consider adding uninsured motorist coverage to your full coverage auto insurance policy. 

These extra coverages are not required by the state of Texas, but they can be a good thing to have.

Get Texas Full Coverage Auto Insurance Quotes Now

Why is auto insurance so expensive in Texas? Well, it doesn’t have to be. You need to shop around for full coverage auto insurance and get at least a few quotes from different insurance providers for the cheapest full coverage auto insurance in Texas.

This way, you can take a look at what products each of the insurance companies offers and determine which ones are offering the best available full coverage auto insurance rates in Texas. 

So, what is the best auto insurance in Texas? That will depend on many factors, including your unique needs and demographics, as well as your price range. 

For example, where you live in Texas can have a big impact on your auto insurance rates. If you live in a city like San Antonio or Houston, your rates will be higher than if you live in a rural town with less population density.

If you don’t have insurance, or you want to switch insurance providers, it’s important to comparison shop to make sure that you get your best possible rates.

You are now an expert on full coverage auto insurance in Texas. You can confidently shop for the best Texas insurance policies that meet all of your driving needs. 

Now that you know everything about full coverage auto insurance in Texas, find cheap full coverage auto insurance in Texas by getting full coverage auto insurance quotes in Texas. Enter your Texas ZIP code into our FREE comparison tool below.

Find the best full coverage auto insurance company in Texas for you.

References:

  1. https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists

FREE Auto Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption