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Auto Insurance
Do you need auto insurance in Texas?
Gotta Have Insurance has you covered. We offer customized insurance, from liability protection to full coverage, so you don’t need to pay for services you don’t need.
Read the following questions commonly asked by our prospective clients who are looking to buy Auto Insurance in Texas.
What auto insurance is required in Texas?
If my friend borrows my car and gets in an accident, will my policy cover them?
If another driver is at fault for an accident, will their insurance company pay or mine?
What information do I need to start an auto insurance quote?
What auto insurance is required in Texas?
You are required by Texas law to show proof that you are financially capable of paying for any accidents you cause. Auto liability insurance is typically used in this situation. Repair and medical expenses for the other driver are covered by liability insurance. Meanwhile, collision and comprehensive insurance are required by your lender if you still owe money on your car.
The chart below illustrates the minimum necessary auto insurance that all drivers in Texas are required to have.
| Coverage | Amount |
|---|---|
| Bodily Injury Coverage | $30,000 per person and $60,000 per accident |
| Property Damage Coverage | $25,000 per accident |
How much does car insurance cost on average in Texas?
The average cost of car insurance in is $1,500 per year. That is comparable to the national average. As usual, the cost of auto insurance is determined by a variety of factors, including your age, where you live, and your driving history.
Some people opt for minimum coverage, while others prefer the added comfort and security that comes with additional protection. Gotta Have Insurance tailors your Texas auto insurance policy to your specific needs, ensuring that you only pay for what you require.
If another driver is at fault for an accident, will their insurance company pay or mine?
If the other driver was at fault for the accident, their insurance should cover your repairs. Your insurance company will almost certainly attempt to obtain payment from the other party. If the other company agrees to pay, you will almost certainly be reimbursed for your deductible. If the company refuses to pay because its driver was not at fault, you may file a claim with your own insurance company. However, you must have collision coverage – not just liability coverage – to do so.
What information do I need to start an auto insurance quote?
Obtaining a quote is simple and quick.
- Your ZIP code
- Driver’s license
- Your vehicle’s make, model, and year
- Vehicle Identification Number (VIN)
- Mileage on your vehicle
Call (979) 245-5563 or send us a message to request a callback.