Everything You Need to Know About Liability Only Car Insurance in Texas

What is Liability Only Car Insurance?

Liability only car insurance is a type of auto insurance that covers the costs of property damage and bodily injury to the other party when the policyholder is found to be at fault for a car accident. Liability only car insurance doesn't cover any property damage or injury costs of the policyholder. This type of car insurance coverage is generally the most affordable option, since it only covers costs incurred by the other party. It is also the minimum amount of coverage required by law in most states, including Texas.

What Does Liability Only Car Insurance Cover in Texas?

In Texas, liability only car insurance is the most basic type of auto insurance and covers the costs of property damage and bodily injury to the other party when the policyholder is found to be at fault for a car accident. Liability only car insurance does not cover any property damage or injury costs of the policyholder. This type of coverage is generally the most affordable option, since it only covers costs incurred by the other party. It is also the minimum amount of coverage required by law in Texas.

How Much Does Liability Only Car Insurance Cost in Texas?

The cost of liability only car insurance in Texas varies depending on a variety of factors, such as the age and driving record of the policyholder, the type of car they are driving, where they live, and the type of coverage they choose. Generally speaking, liability only car insurance is the most affordable option, since it only covers costs incurred by the other party. In Texas, the minimum required liability coverage is $30,000 per accident for bodily injury or death and $25,000 per accident for property damage.

What Additional Coverage is Available in Texas?

In addition to liability only car insurance, there are other types of coverage available in Texas. These include collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Collision coverage covers the cost of repairing or replacing the policyholder's car if it is damaged in an accident, while comprehensive coverage covers the cost of repairing or replacing the policyholder's car if it is damaged by something other than an accident, such as theft, fire, or vandalism. Uninsured/underinsured motorist coverage covers the policyholder's costs if they are hit by an uninsured or underinsured driver.

How to Get the Best Rates on Liability Only Car Insurance in Texas?

When shopping for liability only car insurance in Texas, it is important to compare quotes from multiple insurance companies. Rates can vary significantly from one company to the next, so it is important to compare rates and find the best deal. Additionally, discounts may be available for certain factors, such as a good driving record, a clean credit history, or a car equipped with safety features. Be sure to ask about these discounts when shopping for car insurance.

When to Choose Liability Only Car Insurance in Texas?

Liability only car insurance is the most basic, and often the most affordable, type of auto insurance available in Texas. This type of coverage is typically the best choice for those who are on a tight budget and do not need additional coverage. Additionally, liability only car insurance is the minimum amount of coverage required by law in Texas. For those who have an older car or a car that has a low resale value, liability only car insurance may be the best option.