Minimum Coverage Car Insurance — Texas
It covers injuries and damage you cause to others, but it pays nothing for your own vehicle or medical bills.
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What Is Minimum Coverage Car Insurance Insurance?
Minimum coverage car insurance in Texas consists of bodily injury liability and property damage liability at the state-required limits. It does not pay for your own injuries, your own vehicle repairs, or damage caused by uninsured drivers who hit you.
Who Needs Minimum Coverage Car Insurance Insurance?
It's also the only legal option if you cannot afford higher limits and need to register your vehicle and maintain your license.
Compare the annual cost of full coverage to the value of your vehicle and your ability to pay out of pocket for a total loss. If full coverage costs less than 10 percent of your car's value and you cannot replace the vehicle with cash, the additional coverage is worth the cost. If your car is worth less than two years of the premium difference, minimum coverage is defensible.
How Much Does Minimum Coverage Car Insurance Insurance Cost?
- Your driving record — one at-fault accident in the past three years can increase minimum coverage premiums by 30 to 50 percent.
- Your ZIP code — urban areas with higher accident rates and theft often see premiums 20 to 40 percent higher than rural counties.
- Your age and experience — drivers under 25 or over 70 typically pay 15 to 35 percent more for the same minimum limits.
- Your credit-based insurance score — Texas allows carriers to use credit history, which can double premiums for drivers with poor credit.
- Your annual mileage — drivers commuting more than 15,000 miles per year often pay 10 to 20 percent more than those driving under 7,500 miles.
