Buy Cheap Texas Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$30,000 limit per person / $60,000 limit per accident
Property Damage Liability
$25,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
Not required, but recommended
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Texas Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
There is no ban.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers under the age of 18 cannot use a cell phone at all while driving.
Texting Ban:
Yes - under 18
In Texas, text messaging is banned for drivers under the age of 18 and bus drivers with passengers 17 and under.
DUI Laws
Buy Cheap Texas Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.15
There's an increased penalty for drivers with a BAC of 0.15 or above.
1st offense Suspension:
90 days (BAC .08 or above) / 180 days for refusal
Administrative license suspension on the 1st offense: In Texas, law enforcers can confiscate a first-time offender's driver's license for 90 days if he or she exceeds the legal limit and 180 days if he or she refuses to submit to a chemical test. Limited driving privileges, such as to and from work, are permitted.
Ignition Interlocks:
Mandatory for repeat offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Texas made the installation of ignition interlocks mandatory for repeat offenders.
Repeat Offenders:
Yes
Minimum penalties for repeat offenders include suspension of driving privileges for at least one year, impoundment or immobilization of offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and imprisonment or community service for a second-time offender. Third-time and further offenders can see longer imprisonment or community service sentences.
Open Container Law:
Yes
No driver or passenger can have any bottle, can, jar or other receptacle containing any alcohol that has been opened, the seal broken, or with partial contents removed in his or her possession or in any area of the vehicle where it would be easily accessible by the driver or passengers. However, open containers of alcohol may be transported in the trunk of a vehicle, a locked glove compartment, or in the area behind the last upright seat in a vehicle without a trunk.
Graduated Drivers License
Buy Cheap Texas Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 30 hours of supervised driving, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: Midnight-5am
Passenger Restriction: No more than 1 passenger under 21
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of midnight and 5am and cannot drive with more than one passenger under 21.
Full Privilege Age:
Age: 18
(Full driver's license): At the age of 18, Texas drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
75-85
MPH
SPEED LIMIT
75-85
MPH
Urban Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
75
MPH
Other Limited Access Roads:
SPEED LIMIT
75
MPH
SPEED LIMIT
75 MPH
Page Source: ghsa.org
Buy Cheap Texas Auto Insurance in 2024
Department of Insurance
Website: www.tdi.texas.gov/
Address: 333 Guadalupe, Austin, TX 78701
Phone: 512-463-6169 or 1-800-578-4677
Buy Cheap Texas Auto Insurance in 2024
DMV Information
Website: www.txdmv.gov/index.php
Phone: 888-DMV-GOTX or 888-368-4689 or 512-465-3000
Call Center Hours:
Monday - Friday 7:30am - 5:30pm (Central Time)