Texas law requires proof of financial responsibility for anyone who drives a car in the state. Most Texans choose to purchase liability insurance to meet this requirement. Liability insurance pays for bodily injury, property damage, and some additional expenses of other drivers, their passengers, and your passengers when you or a driver covered by your policy causes an accident. The minimum liability insurance required by law is $20,000 per injured person, $40,000 for everyone injured in an accident, and $15,000 for property damage per accident. This is commonly called "20/40/15" coverage. Liability insurance does not pay for damage to your own vehicle.

How to Find the Best Price If you have a good driving record, avoid companies and agents that advertise to high-risk drivers. Their premiums are often higher. Get quotes from several companies before you buy. Include independent agents in your search. Some agents only represent a single company or company group. Independent agents may represent several companies. Consider higher deductibles. You can save money on your premiums by increasing your policy deductibles, but you'll have to pay more out of pocket if you have a claim. You'll need to have money readily available (personal savings, ability to borrow from relatives or friends, etc.) to pay your out-of-pocket expenses. Ask your agent about discounts. Discounts vary by company. Some companies may offer discounts if you have multiple policies with the company, have anti-theft devices in your car, or have completed a driver education course. Other discounts may be available.

Consumers: It Pays to Shop Around

“Rates and coverage can vary by company in Texas. Consumers may often save hundreds of dollars by taking time to shop around for the coverage and price that they need.  ”

Before You Buy a Policy, Remember

1. In addition to cost, consider other factors, such as the company's financial strength and complaint history.
2. Coverage's and limits can vary from policy to policy. Ask the agent or company for the exact coverage's in the policy you're considering.
3. Answer all questions on the application truthfully. Wrong information could result in an incorrect price quote, or a denial or cancellation of coverage.

No Unfair Discrimination allowed in Texas

An insurance company cannot deny, refuse to renew, limit or charge more for coverage, or unfairly discriminate because of your race, color, religion, or national origin. A company also may not discriminate because of your age, gender, marital status, geographic location, or disability or partial disability, unless the refusal, limitation, or higher rate is based on sound underwriting or actuarial principles. This means the company must have valid evidence that you present a greater risk for a loss than homeowners it is willing to insure. Contact the Governor