If you plan to be out driving the open roads, you have to have auto insurance in Texas. Direct Auto Insurance offers the right amount of coverage to keep you legal on the roads.
If you live or are moving to Texas, here’s the required amount of auto insurance you will need to drive legally on the roads.
Texas law requires that you have financial responsibility on all your registered vehicles and that you carry proof in all vehicles. The easiest way to maintain financial responsibility is with car insurance. The minimum liability limits required for car insurance in Texas are:
Auto insurers are required to offer you uninsured/underinsured motorist coverage at the same limits as your liability coverage but you do not have to accept it. You may reject this coverage in writing.
Texas also has an “add-on” no-fault (personal injury protection) insurance requirement, which means all car insurance policies are required to offer this coverage, but you can reject it.
If you plan on cruisin' the roads of Texas, you have to stay covered with motorcycle insurance. The required auto insurance laws are the same as car insurance requirements:
Not all motorcycle insurance policies in all states cover passengers. Never assume that motorcycle guest passengers are automatically covered by motorcycle liability insurance. In fact, motorcycle passengers are not covered by default under many motorcycle liability insurance policies. Motorcycle Guest Passenger Liability (GPL) must be purchased in order to cover your passenger. This coverage will cover passengers if you are found to be liable or legally at fault.
Always practice safety precautions with a motorcycle. Safety gear and safe driving are important when riding a motorcycle. For more information, check out our motorcycle safety tips.
If you have more questions about the auto insurance laws in Texas, feel free to visit one of our knowledgeable agents at a Direct Texas location near you, visit us at Directgeneral.com, or call at 1-877-GO-Direct (1-877-463-4732).