Cheap Full Coverage Auto Insurance Texas – TGS Insurance » Auto Insurance » 30/60/25 Coverage Explained 30/60/25 Coverage – Understanding Texas Minimum Auto Insurance Requirements
Almost every state requires drivers to carry a minimum amount of liability insurance to cover the costs of accidents in which they are at fault. In Texas, this minimum requirement is often referred to as 30/60/25 coverage.
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Bodily Injury Liability coverage applies to medical bills and compensation for lost earnings of people outside your family who are injured in a car accident in which you are found responsible. If another party sues you, this coverage can also help with your legal fees.
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Property Damage Coverage will pay the actual cash value for the replacement or repair of other vehicles and the replacement or repair of stationary objects such as fences.
The average cost to meet Texas’ minimum auto insurance requirements with 30/60/25 coverage is $526 per year or $44/month. Rates will vary among individuals based on a number of factors, including driver characteristics, vehicle characteristics, coverage options and location, among others.
While 30/60/25 coverage will meet state requirements, it may be too low to fully cover an accident if you are at fault, which will leave you wondering for the balance. According to Insurify.com, the most popular car in Texas in 2020 is the Nissan Altima, which has an MSRP of $24,100. If you cause an accident and total someone’s car driving a new Altima, your property damage coverage will barely cover that MSRP. What if you cause a multi-vehicle accident? Or what if another driver drives a brand new Ford F-150, which starts at $30,000? The reality is that just meeting the state’s minimum requirements leaves you vulnerable to paying a large chunk of money out of pocket if you cause an accident. What’s more, liability insurance only protects other people. Most drivers should consider adding additional coverage beyond what the government requires.
In addition to purchasing the minimum required auto insurance in Texas – again, at least 30/60/25 – you need to keep it handy and be ready to show proof of this insurance card when:
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As of September 1, 2013, Texas drivers have been allowed to show proof of this insurance through their mobile devices during a traffic stop.
Our agents at TGS Insurance Agency are ready to help you find a car insurance policy that meets your protection needs at a price you can afford. We’ll work with you to find the right type of coverage and then shop your policy among our 35+ A-rated (or better!) partners to get you the best price in the market for your car insurance policy.
Every driver is unique. Insurance premium costs are influenced by several factors; therefore, we recommend getting an individual quote to find your rate.
Our data represents quality, public sources and internal data, but should not be interpreted as binding. Texas drivers who compare liability vs. full coverage options can determine the right coverage to best meet their needs. But there are many options for auto insurance in Texas available and deciding what’s right for you can often feel complicated.
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All drivers need car insurance and want to get their coverage for the cheapest price. Liability coverage is mandatory under Texas law, but other coverage, such as full coverage, can help save you money in the long run.
Learn the key differences between liability and full coverage and which one can best benefit you and your vehicle.
Understanding how you are protected is important. Here’s a breakdown of liability vs. full coverage for drivers in Texas:
Both are required in Texas and can give you a baseline of coverage, but there are also some significant issues with liability-only coverage:
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This is an important consideration when comparing liability vs full coverage because only carrying liability coverage can leave you without important financial protection.
Full coverage auto insurance includes the coverage you get with a liability-only policy but is expanded with additional coverage. The main benefit of this coverage is that it is provided to help recover your own vehicle.
In addition to liability, here are two other coverages that make up full coverage auto insurance in Texas:
All three protections together do not provide blanket protection, however, they work together for a more complete form of protection.
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Coverage isn’t the only difference between full vs liability coverage. Deductible is your financial responsibility as a driver before your car insurance company provides compensation. Here are the differences between the covers:
It is important to note that the higher your deductible, the more you will have to pay after an accident, but the lower your monthly premium will be.
This is a good way to offset some of the increased costs associated with full coverage vs liability car insurance while remaining protected against a wider range of perils.
Liability coverage is cheaper on its own but may cost you in the long run. You can also save by buying multiple policies, increasing the overall price, but making each cover cheaper in the process.
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Texas drivers face some of the highest car insurance costs in the country for a variety of reasons including increased risk of accidents, faster speed limits, longer commutes, etc.
Because you’re more likely to be in a car accident in the Lone Star State, you’ll get higher premiums, but you also have more reason to stay better protected.
Either way, car insurance companies all assess risk and while each brand uses its own method to determine risk, the more risk you have, the more you can expect to pay.
This is why we work with over 25 top rated car insurance companies to provide our customers with the best insurance products at the lowest prices available.
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To see how much you could save, get a free online car insurance quote using our online tool. You can receive an accurate quote, quickly, using just a few clicks!
Although not required by law, there are many drivers in Texas who can benefit from full coverage coverage:
You may not be required to carry full coverage by law, but lenders will often make it a requirement.
Furthermore, drivers who lease their vehicles are more likely to be required to obtain full coverage for the same reason.
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If your vehicle is 10 years old or newer, full coverage is an excellent option. Since the cost of repairing a newer vehicle is often much more expensive, full coverage vs liability only is preferable because you will be protected from more potential hazards.
No matter how you slice it, younger drivers are the most crash-prone group in Texas. Collision coverage does not care who is at fault and can help you recover your vehicle.
If there are young drivers in your household, full coverage can help you forget about high repair costs in the event of a car accident.
A car accident can easily cost you tens of thousands of dollars and without the right coverage, you could be stuck paying for it yourself.
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The difference in the cost of coverage vs. full liability each month is more affordable than spending a large sum of money all at once after a car accident.
If you compare liability insurance versus full coverage, you will determine that regardless of any other factors, liability can only leave you paying out of pocket for a variety of different reasons.
Vehicle insurance should be tailored to meet individual needs. Every driver’s needs are different and your coverage should reflect this. Here are additional coverage options drivers in Texas with full coverage can enjoy:
Ultimately, whether it’s comparing liability vs. full coverage auto insurance or deciding on another form of coverage, evaluating your personal risk tolerance with a licensed auto insurance agent is the best way to determine the coverage that’s important to your needs.
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Finding the best car insurance coverage for the lowest rates is easier than you think. Drivers in Texas should compare their rates to identify the best option for their needs, and we’re here to help.
We work for your customers rather than any single brand and have been providing the best options for our customers since 2005. This includes keeping you legal or protecting more with affordable full coverage and more.
By leveraging our partnerships with some of the best insurance brands in Texas, we continue to have the widest range of insurance solutions at the lowest prices in the market.
Contact us today to compare liability versus full coverage for your needs and get the best coverage at the lowest possible price. Whether you’re stuck in bumper-to-bumper traffic in Austin, trying to merge in Houston, or just trying to make it across the Dallas/Fort Worth area, Texas relies heavily on private cars for transportation. With a vehicle comes the responsibility of carrying car insurance, as drivers are legally required to have minimum liability coverage. Every driver in Texas wants to be covered but doesn’t want to pay more for their coverage. Here are the top 10 cities in Texas with the cheapest car insurance options based on our state’s most populous cities:
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