Liability Car Insurance in Texas: What You Need to Know

Liability Car Insurance in Texas: What You Need to Know

As a Texas driver, you are required by law to maintain a minimum level of liability car insurance. Failure to do so can result in hefty fines, license suspension, and even vehicle impoundment. Liability insurance covers damage and injuries to others in an accident where you are at fault. It does not cover your own vehicle repairs or medical bills.

Choosing the right liability coverage and limits can be complicated. You need to balance cost with adequate protection of your assets. However, if you cause a serious accident, damages can easily exceed these minimums. It may be worth considering higher limits to avoid liability for damages beyond your coverage amounts. Discussing your case with a texas car accident lawyer is always a good idea.

You also need to consider the financial responsibility of other drivers, the value of vehicles you may hit, and the risk of uninsured motorists. Make sure you have enough liability coverage to protect what you have worked hard to build. Determine what happens in case of emergencies such as accidents during storms. Reviewing your needs with an insurance agent can help determine appropriate limits for your unique situation. Your liability insurance may be the only thing standing between you and financial devastation in the event of an at-fault accident. Choose wisely.

What Is Liability Car Insurance in Texas?

Liability car insurance in Texas provides coverage for bodily injury and property damage that results from an accident you cause. It helps protect you financially in the event you are found legally liable for damages from an at-fault collision.

Under Texas law, all motorists must carry minimum liability coverage amounts of $30,000 for bodily injury per person, $60,000 for total bodily injury per accident, and $25,000 for property damage per accident. However, these minimums may not be enough to fully cover the costs from a serious accident. It is wise to consider higher liability limits to safeguard your assets.

Liability insurance does not cover the costs to repair or replace your own vehicle after an accident you cause. For that, you need comprehensive and collision coverage. Liability only covers the other driver's vehicle and any medical bills.

To determine how much liability coverage you need, assess your net worth and assets you want to protect. Those with a higher net worth should opt for more substantial liability limits, such as $100,000/$300,000 for bodily injury and $50,000 for property damage. This helps ensure any liability claims do not put your assets at risk.

In summary, liability car insurance provides essential financial protection in the event of an at-fault accident. All Texas drivers must carry minimum coverage amounts, but for full protection, evaluate your needs and consider higher liability limits. Your insurance agent can help determine the appropriate level of coverage based on your unique situation.

Texas State Minimum Liability Coverage Requirements

In Texas, all motor vehicle owners are required to carry a minimum amount of liability coverage. This helps ensure that if an accident occurs, there are funds available to pay for damages and injuries. As the vehicle owner, you are responsible for meeting the state's minimum liability requirements.

Texas Liability Insurance Minimums

Texas law requires that all vehicle owners carry at least:

  • $30,000 for bodily injury or death of one person
  • $60,000 for bodily injury or death of two or more persons
  • $25,000 for damage to or destruction of property of others

These dollar amounts represent the minimum liability coverage you must have per accident. It is referred to as 30/60/25 coverage. While minimum coverage meets the legal requirement, it may not adequately cover costs in the event of an accident, especially one with serious injuries. For this reason, most experts recommend purchasing more than the minimum.

You have the option to purchase additional liability coverage and higher coverage limits to protect yourself financially in the case of an accident. Additional liability coverage provides more ample protection and peace of mind that costs will be covered no matter the severity of an accident. The additional cost of higher liability limits is often quite affordable relative to the total cost of a policy.

It is unwise to only carry the bare minimum liability coverage, as it leaves you exposed to potentially significant out-of-pocket costs. Make sure you understand Texas' requirements and purchase adequate coverage to protect yourself and others on the road.

Factors That Affect Liability Insurance Rates in Texas

Liability car insurance rates in Texas are determined by several key factors. As a driver, understanding how these factors influence your rates can help you make choices that may lower your premiums.

Driving history

In Texas, your driving record significantly impacts your liability insurance rates. Infractions like speeding tickets, at-fault accidents, or DUIs will typically increase your rates. Maintaining a clean driving record with no violations or claims is the best way to keep liability premiums affordable.

Type of vehicle

The make, model, and age of your vehicle are also considered when determining liability rates. Vehicles that are more expensive to insure, such as high-performance cars or luxury vehicles, will have higher premiums. On the other hand, safer and less expensive vehicles to repair or replace in the event of an accident will normally have lower rates.

Amount of coverage

The level of liability coverage you choose directly impacts your premium amount. Higher coverage limits, like $100,000/$300,000, will cost more than lower limits of $30,000/$60,000. However, insufficient coverage could lead to major out-of-pocket costs if you are found at fault in an accident. You must weigh the additional cost of higher coverage versus your risk tolerance.


In Texas, liability insurance rates also depend on where you live. Urban areas typically have higher rates due to increased traffic and risk of accidents. Rural and suburban locations usually benefit from lower premiums. Your insurance company will determine rates for your location based on historical data about accidents and claims in your area.

By understanding how these principal factors affect your liability insurance rates in Texas, you can make choices that may help lower your premiums over time. Maintaining a safe driving record, choosing coverage limits that meet your needs, and comparing rates from different companies are all steps you can take to find affordable and comprehensive liability insurance.

How to Save on Texas Liability Car Insurance

To reduce your liability car insurance premiums in Texas, there are several steps you can take.

Raise Your Deductibles

Raising your deductibles, the amount you pay out of pocket for claims before your insurance kicks in, can lower your premiums significantly. The higher your deductibles, the less risk to your insurance company and the lower your rates. However, only raise your deductibles to an amount you can afford to pay in the event of a claim.

Drop Unnecessary Coverage

Examine your policy to determine if you're paying for coverage you do not need. For example, if your vehicle is older, dropping collision and comprehensive coverage may lower your premiums. However, this also means you will not have coverage for damages to your own vehicle. Carefully weigh the pros and cons before dropping coverage.

Maintain a Good Driving Record

Your driving record directly impacts your premiums. Make an effort to maintain a spotless driving record by obeying all traffic laws and avoiding accidents or traffic violations. If you do receive a ticket, consider traffic school to avoid points on your license which can raise your rates.

Bundle Your Policies

Bundling multiple insurance policies together, such as home and auto, can qualify you for a multiline discount resulting in a lower overall premium. The more policies you bundle, the higher the potential savings.

Compare Quotes Frequently

Insurance rates change over time, so it pays to shop around and compare quotes from different companies regularly. You may find a lower rate from another provider, in which case you can either switch companies or use the competitor's quote to negotiate a lower rate from your current insurer.

Following these steps and re-evaluating your needs and coverage periodically can significantly lower your liability car insurance costs in Texas over the long run. By being proactive and working with your insurance company or agent, you have the power to save money on this necessary expense.

Top Liability Car Insurance Providers in Texas

When shopping for liability car insurance in Texas, you have many highly-rated options to choose from. Here are some of the top providers in the state:

State Farm is the largest auto insurer in Texas and the U.S. They offer competitive rates and a variety of coverage options to meet your needs. State Farm has over 3,800 agents in Texas, so you can easily find help in your local area.

GEICO is a popular, affordable provider of liability coverage in Texas. They are able to offer lower premiums through their direct-to-consumer model. GEICO is also highly rated for customer satisfaction. You can get a quote and purchase a policy on their website or through their mobile app.

Progressive writes over $30 billion in auto premiums each year, including many policies in Texas. They frequently run promotions offering discounts and rewards for new customers. Progressive allows you to start a quote online, on their mobile app, or over the phone with an agent.

Allstate has been providing Texans with dependable liability coverage for over 50 years. They offer many ways to earn discounts on your premiums, including for bundling multiple policies together or having a good driving record. You can get a free quote from a local Allstate agent or on their website.

Farmers Insurance has a strong presence in Texas, with over 1,800 agents across the state. They offer liability coverage as well as optional comprehensive and collision insurance. Farmers is highly rated for customer service and claims satisfaction. You can request a quote from a local Farmers agent to find a policy that fits your needs and budget.

Liberty Mutual, Nationwide, and USAA are a few other reputable providers of liability auto insurance in Texas worth considering. Compare quotes from multiple companies to find the best value and service for your situation.

Call A Texas Car Accident Lawyer At Fletcher Law

If you or a loved one has been injured in a car accident in Texas, it’s important to understand your rights and options for seeking compensation. Texas is a “fault” insurance state, meaning the at-fault driver and their insurance company are typically liable for damages and injuries sustained in an accident.

Contacting an experienced car accident lawyer in Texas should be a top priority after any collision resulting in injury. Personal injury attorneys have the knowledge and experience to handle insurance companies and seek maximum compensation for medical bills, lost wages, pain and suffering, and other damages. They can investigate the accident, determine fault, and build a solid case to pursue a settlement or take the at-fault driver to court if needed.

Some key reasons to call a car accident lawyer in Texas include:

  • They can deal with insurance companies on your behalf. Insurance adjusters work for the insurance companies, not you, and will try to get you to settle for as little as possible. Claims extend past car accident liability, such as with he said she said car accidents.
  • They can determine the full value of your claim. The average person does not have the skills or experience to calculate the total costs of their injuries and damages. Lawyers know how to account for both economic and non-economic losses. The can conduct the necessary seraches, such as with cases where a car accident driver needs to be found by their license plate.
  • They can take your case to court if a fair settlement is not offered. While most car accident claims settle out of court, lawyers are fully prepared to file a lawsuit to get you the compensation you deserve.
  • There are strict deadlines for filing a claim or lawsuit in Texas. The statute of limitations for car accidents is 2 years, so time is of the essence. Lawyers ensure all necessary paperwork and documentation is filed properly and on time.

Don’t delay in consulting with a reputable Texas car accident lawyer. They have the knowledge and skills to get you on the road to recovery and help secure a financial settlement to cover costs along the way. Protect your rights—and your future—by making that call. Fletcher Law’s Texas injury lawyers are here to help. 


As a driver in Texas, understanding liability car insurance is critical to protecting yourself financially. The state minimum requirements provide some coverage but may leave you vulnerable in the event of an accident, especially if injuries are involved. With larger national carriuers such as Farmers Insurance or USAA Insurance Weigh the additional cost of higher coverage limits versus the risk of out-of-pocket costs from an at-fault accident. Consult with insurance agents to determine appropriate coverage based on the value of vehicles insured and your financial situation. While no one anticipates getting into an accident, liability insurance provides essential financial security for responsible drivers. Ensure you have adequate coverage in place before getting behind the wheel. The peace of mind afforded is well worth the investment. Drive safely!