Full Coverage Auto Insurance Texas: Everything You Need to Know

When it comes to driving in Texas, having auto insurance is mandatory. However, with so many different types of coverage available, it can be overwhelming trying to decide which one is right for you. In this article, we’ll focus on full coverage auto insurance in Texas, what it entails, and why it may be the best option for you.

What is Full Coverage Auto Insurance?

Full coverage auto insurance is a policy that combines liability, collision, and comprehensive coverage. Liability coverage is required by law in Texas and covers damages caused to other drivers and their property. Collision coverage pays for damages to your own vehicle in the event of an accident, regardless of who is at fault. Comprehensive coverage protects your car from non-collision damage, such as theft, vandalism, or natural disasters.

While full coverage auto insurance is generally more expensive than a liability-only policy, it provides greater protection and peace of mind in the event of an accident or unexpected damage to your car.

How Much Does Full Coverage Auto Insurance Cost in Texas?

The cost of full coverage auto insurance in Texas varies depending on a number of factors, including your driving record, age, location, and the type of car you drive. On average, Texans pay around $1,500 per year for full coverage, but it can be as low as $700 or as high as $3,000 per year.

It’s important to remember that while full coverage may be more expensive, it can save you money in the long run if you’re involved in an accident or your car is stolen or damaged.

What Does Full Coverage Auto Insurance Cover?

Full coverage auto insurance in Texas covers a range of incidents and damages, including:

Coverage Type
What It Covers
Liability
Damages and injuries you cause to others while driving
Collision
Damage to your own vehicle from an accident
Comprehensive
Damage to your car from theft, vandalism, natural disasters, or other non-collision events
Uninsured/Underinsured Motorist
Coverage if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages
Personal Injury Protection (PIP)
Coverage for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault

What Are the Benefits of Full Coverage Auto Insurance?

There are several benefits of having full coverage auto insurance in Texas:

1. Protection from accidents and damage: Full coverage protects you from a range of incidents, whether you’re at fault or not. This can include accidents, theft, vandalism, and natural disasters.

2. Peace of mind: Knowing that you have comprehensive coverage can give you peace of mind while driving, especially if you have a new or expensive car.

3. Legal compliance: Full coverage auto insurance is mandatory in Texas, so having it ensures that you’re complying with state law.

FAQ

1. Is full coverage auto insurance required in Texas?

No, full coverage auto insurance is not required by law in Texas. However, liability coverage is mandatory, and full coverage is often recommended for greater protection.

2. How much does full coverage auto insurance cost in Texas?

The cost of full coverage auto insurance in Texas varies depending on a number of factors, but Texans pay an average of around $1,500 per year.

3. What does full coverage auto insurance cover?

Full coverage auto insurance in Texas covers liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection.

4. What are the benefits of full coverage auto insurance?

The benefits of having full coverage auto insurance in Texas include protection from accidents and damage, peace of mind, and legal compliance.

5. Can I customize my full coverage auto insurance policy?

Yes, many insurers allow you to customize your full coverage auto insurance policy to fit your needs and budget.

In conclusion, full coverage auto insurance in Texas is an excellent option if you want greater protection and peace of mind while driving. While it may be more expensive, it can save you money in the long run if you’re involved in an accident or your car is damaged or stolen.