Feb 18 2019

Cheapest Car Insurance In Texas, cheapest auto insurance in texas.

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Cheapest auto insurance in texas

Cheapest auto insurance in texas

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Cheapest auto insurance in texas

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Cheapest Car Insurance In Texas

The Lone Star state is synonymous with the American Wild West. The Alamo, Hell s Acre, the Stockyards, Stephen F. Austin and a host of other uniquely cowboy treasures are packed in America s second largest state. Texas holds an enormous variety of activities to keep its residents occupied. From the Gulf of Mexico beaches in the south, to the pine forests of the northeast, to the rolling hills of the central plains to the desert and mountains in the west, there is always something to see. Drivers on one border could drive all day and still be in Texas when the sun goes down. With a state so big, Texans don t have time to waste searching for car insurance information. So to make up for what could be lost time, has done the searching and brought all the important facts right here in one, neat list.


Taking time to study all the changing laws and regulations just shouldn t be part of a Texan s day. This list streamlines the process so no more time is spent digging and hunting for the information than is absolutely necessary. It s all right here.

Minimum Requirements for Car Insurance in Texas

  • All vehicles in Texas must be covered by liability insurance, according to the state s Insurance Division.
  • Liability minimums in Texas:
    • $30,000 includes injury to an individual from an accident.
    • $60,000 includes multiple injuries in an accident.
    • $25,000 includes property damage in an accident.

Failure to maintain insurance results in:

  • First Offense: a fine of $175 to $350
  • Second or subsequent offense(s): a fine of $350 to $1,000, suspension of driving privileges and possible impounding of the vehicle.

New Driver Licensing Requirements

  • By law, every driver operating a vehicle in the state of Texas must hold a valid state driver s license. The state s Graduated Driver License (GDL) is a licensing program to give minors valuable driving training prior to allowing them to drive unsupervised. The GDL has three stages:
    1. The Learner License
    2. Minor Restricted Driver License
    3. Provisional License
  • The Learner License. This license permits an applicant who is 15 years old (and under 18) to drive only with a licensed adult who is 21 or older and who has had at least 1 year of driving experience. To apply for the license, the applicant must:
    • Complete a driver education course
    • Submit a verification of enrollment and attendance for school.
  • Minor Restricted Driver License. This license, also known as a hardship license, is available for minors who establish the necessity to drive. With this license, the applicant may become fully licensed at age 15. For an explanation of the requirements and restrictions, refer to the Texas Driver s Handbook.
  • Provisional License. This is a regular driver license with restrictions for drivers under the age of 18. At this point, the applicant must have held the Learner License for at least 6 months and fulfilled all the requirements associated with it. The restrictions include:
    • The applicant is permitted only one unrelated passenger under 21.
    • The applicant is restricted from driving between midnight and 5am unless driving to/from employment, school activity or medical emergency.
  • Once these requirements are fulfilled and the driver turns 18, the Provisional License will become an unrestricted Driver License.
  • Vision Screening. 140 degree peripheral vision and at least a 20/40 visual acuity with or without corrective lenses is required to obtain an unrestricted license.
  • Knowledge Test. The knowledge test evaluates the driver s understanding of basic traffic concepts included in the Texas Driver s Handbook. A passing score of 70 percent is needed.
  • Road Test. The test consists of four skill areas:
    1. Vehicle control
    2. Observation
    3. Positioning
    4. Signaling
  • The driver s handbook details each skill area with specific required actions that the test administrator will include in the test.
  • Fees:
    • Learner License (under 18): $16
    • Driver License (under 18): $16
    • Driver License (Ages 18-84): $25
    • Driver License (Ages 85 and up)D: $9


  • BAC limit: .08 The Texas Department of Transportation defines the state s DUI laws (§ 49.04), while the department s website provides a reader-friendly version.
  • First Offense:
    • Jail: 3 to 180 days
    • License revocation: maximum 1 year
    • Fine: maximum $2,000
    • License retention fee: $1,000 to $2,000 per year for 3 years
  • Second Offense:
    • Jail: 1 month to 1 year
    • License revocation: maximum 2 years
    • Fine: maximum $4,000
    • Ignition Interlock Device must be installed
    • License retention fee: $1,000, $1,500 or $2,000 per year for 3 years
  • Third Offense:
    • Jail: 2 to 10 years
    • License revocation: maximum 2 years
    • Fine: $10,000
    • Ignition Interlock Device must be installed
    • License retention fee: $1,000, $1,500 or $2,000 per year for 3 years

Texting Driving Laws

According to, a ban on cell phone use and texting is in place for novice drivers and bus drivers. All drivers are prohibited from texting or using a handheld device while driving in a school zone.

Unique Laws

Nothing says Cowboy quite like Texas, and some of its laws make it clear that Texas isn t trying to hide that fact! For instance, only a man who owns 10 or more cattle is permitted to tuck his pants into one boot. When riding one s horse at night, it is unlawful to forget to attach its taillights. Emitting offensive odors is prohibited while in an elevator. Cattle thieves can be hanged on the spot, and it is legal to ride one s horse into a saloon!


Best Cheap Car Insurance Quotes for Texas

Harris County Car Insurance

Dominated by the sprawling City of Houston and its immediate suburbs, Texas largest county by population is not to be confused with rural Houston County. Home to more than 4 million people, a vibrant energy industry and the world renowned Texas Medical Center, Harris County lies among the flat coastal plains of southeast Texas.

Space Center Houston, the Museum District and performing arts venues such as Alley Theatre and Hobby Center are big draws for visitors, as is the world s largest rodeo in February and March. Popular unique stops include Houston s Beer Can House, Water Wall and Art Car Museum. Houston has the dubious honor of having the world s widest freeway, Interstate 10, and is among top competitors in a hotly debated but undecided title of having the world s tallest building (The Williams Tower, 64 stories) located outside a central business district.

Written by APARTMENT

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