New Texas Auto Insurance Requirements

Motorists who go to renew their basic auto insurance rates in Texas now have to carry a minimum amount of coverage of 30/60/25. That is an abbreviated way of saying that drivers has to carry $ 30,000 in bodily injury liability for one person hurt in an accident,

$ 60,000 for two people or more hurt and $ 25,000 for property damage liability.  The Texas auto insurance rates and corresponding Texas auto insurance rate quotes underwent a two-step increase that was approved by lawmakers in 2007. To learn more, check out this page dedicated to auto insurance rates by state.

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At that time, motorists were required to carry auto insurance rates coverage in Texas of 20/40/15  which is an abbreviated way of saying that drivers had to carry $20,000 in bodily injury liability for one person hurt in an accident, $40,000 for two people or more hurt and $15,000 for property damage liability. The first part of the gradual increase went into effect in April 2008, when the auto insurance minimum rates in Texas were pushed up to 25/50/25. Effective 2011, they were brought up slightly further to 30/60/25.

Although auto insurance rate minimum levels of coverage were raised, an end to the availability of cheap liability insurance in Texas is not on the way. As the National Association of Insurance Commissioners (NAIC) states in its consumer guide, “The extra cost of higher coverage tends to be relatively low.” Although a $15,000 increase may seem like a lot, the corresponding bump in premiums should not be devastating.

To learn more about getting cheap Texas auto insurance rate quote, or any other state, get as many quotes as you can. By filling out a simple form, you can get free, no-obligation quotes.