{"id":1043,"date":"2020-10-26T20:17:24","date_gmt":"2020-10-26T20:17:24","guid":{"rendered":"https:\/\/www.justinian.com\/?post_type=faqs&#038;p=1043"},"modified":"2024-01-03T17:25:39","modified_gmt":"2024-01-03T23:25:39","slug":"what-are-the-minimum-auto-insurance-requirements-in-texas","status":"publish","type":"faqs","link":"https:\/\/www.justinian.com\/es\/faqs\/cuales-son-los-requisitos-minimos-de-seguro-de-automovil-en-texas\/","title":{"rendered":"What are the minimum auto insurance requirements in Texas?"},"content":{"rendered":"\n<p>Driving without insurance in Texas can cost you significant <a href=\"https:\/\/www.justinian.com\/faqs\/#what-happens-if-i-drive-without-insurance-in-texas\" target=\"_blank\" rel=\"noreferrer noopener\">criminal penalties<\/a>, confiscation of your license and impounding of your car. And if you cause a car accident in Texas and do not have auto insurance, it could <a href=\"https:\/\/www.justinian.com\/faqs\/#i-dont-have-auto-insurance-what-happens-if-i-get-in-a-car-accident\" target=\"_blank\" rel=\"noreferrer noopener\">cost you a lot of money<\/a>.<\/p>\n\n\n\n<p>That is why, if you drive in the state of Texas, it is important to know the Texas legal requirements laws for auto insurance.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h2 class=\"wp-block-heading\" id=\"h-minimum-auto-insurance-requirements-for-drivers-in-texas\">Minimum Auto Insurance Requirements For Drivers in Texas<\/h2>\n\n\n\n<p>Texas has minimum insurance laws, which means you are required to have a certain amount of insurance to be a Texas. This is known as <em>basic coverage<\/em>:<\/p>\n\n\n\n<ul class=\"check-list wp-block-list\">\n<li>At least $30,000 per person to cover an injury to the body<\/li>\n\n\n\n<li>At least $60,000 per accident to cover any injury to the bodies (2 or more people)<\/li>\n\n\n\n<li>At least $25,000 per accident to cover any damage to the cars or other property<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Minimum-Auto-Insurance-Requirements-For-Drivers-in-Texas.jpg\" alt=\"\" class=\"wp-image-1690\" srcset=\"https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Minimum-Auto-Insurance-Requirements-For-Drivers-in-Texas.jpg 1000w, https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Minimum-Auto-Insurance-Requirements-For-Drivers-in-Texas-540x360.jpg 540w, https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Minimum-Auto-Insurance-Requirements-For-Drivers-in-Texas-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alternatives-to-purchasing-auto-insurance-in-texas\">Alternatives To Purchasing Auto Insurance in Texas<\/h2>\n\n\n\n<p>If you are a Texas driver without auto insurance, <a href=\"http:\/\/www.dmv.org\/tx-texas\/car-insurance.php\" target=\"_blank\" rel=\"noreferrer noopener\">there are other options<\/a>:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h3 class=\"wp-block-heading\" id=\"h-securities-deposit\">Securities Deposit<\/h3>\n\n\n\n<p>You can make a securities deposit with the state Comptroller in the amount of $55,000.<\/p>\n\n\n\n<p>You can use cash or a cashier&#8217;s check to deposit $55,000 in the same county where your car is registered, which must be made to the county judge.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1000\" height=\"494\" src=\"https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Securities-Deposit-small.jpg\" alt=\"\" class=\"wp-image-1764\" srcset=\"https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Securities-Deposit-small.jpg 1000w, https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Securities-Deposit-small-540x267.jpg 540w, https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Securities-Deposit-small-768x379.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1000\" height=\"485\" src=\"https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Surety-Bond-small.jpg\" alt=\"\" class=\"wp-image-1765\" srcset=\"https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Surety-Bond-small.jpg 1000w, https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Surety-Bond-small-540x262.jpg 540w, https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Surety-Bond-small-768x372.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h3 class=\"wp-block-heading\" id=\"h-surety-bond\">Surety Bond<\/h3>\n\n\n\n<p>If you drive in Texas, instead of purchasing auto insurance you can obtain a <em>surety bond<\/em>. A surety bond is a legal contract between you and two &#8220;<em>sureties<\/em>&#8221; who own property in the state.<\/p>\n\n\n\n<p>The sureties promise to pay the right amount of money if you are in an accident. If you get this type of bond, the sureties must promise to pay at least the same amount as Texas requires for <em>basic coverage<\/em>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h3 class=\"wp-block-heading\" id=\"h-self-auto-insurance\">Self-Auto Insurance<\/h3>\n\n\n\n<p>Texas Drivers who don\u2019t want to purchase standard auto insurance can have <em>auto-insurance<\/em>. However, in order to qualify for a certificate of self-insurance, you must be able to prove you own a fleet of 25 cars or more.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1000\" height=\"473\" src=\"https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Self-Auto-Insurance-small.jpg\" alt=\"\" class=\"wp-image-1766\" srcset=\"https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Self-Auto-Insurance-small.jpg 1000w, https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Self-Auto-Insurance-small-540x255.jpg 540w, https:\/\/www.justinian.com\/wp-content\/uploads\/2020\/11\/Alternatives-To-Purchasing-Auto-Insurance-in-Texas-Self-Auto-Insurance-small-768x363.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-proof-of-insurance-in-texas\">Proof of Insurance in Texas<\/h2>\n\n\n\n<p>It is very important to carry proof of insurance at all times. And you can end up in a lot of trouble <a href=\"https:\/\/www.justinian.com\/faqs\/what-happens-if-i-drive-without-insurance-in-texas\/\">if you drive without insurance in Texas.<\/a><\/p>\n\n\n\n<p>Insurance companies give you these cards when you pay for your policy. It is required by Texas state law to show proof of insurance when you:<\/p>\n\n\n\n<ul class=\"check-list wp-block-list\">\n<li>Register your car<\/li>\n\n\n\n<li>Renew your license plates \/ automobile registration<\/li>\n\n\n\n<li>Renew your Driver&#8217;s License<\/li>\n\n\n\n<li>Get in an accident<\/li>\n\n\n\n<li>Have your car inspected<\/li>\n\n\n\n<li>Are asked by a police officer to produce them (usually if you are pulled over or involved in a car accident.)<\/li>\n<\/ul>\n\n\n\n<p>Insurance companies give you updated cards every time you renew your car insurance policy. You should keep one card in your wallet, and one card in your car&#8217;s glove box.<\/p>\n\n\n\n<p>In the event of a car accident, <a href=\"https:\/\/www.justinian.com\/about-us\/\">call Justinian and Associates<\/a>.<\/p>\n","protected":false},"featured_media":0,"parent":0,"template":"","faq_tax":[8],"class_list":["post-1043","faqs","type-faqs","status-publish","hentry","faq_tax-auto-insurance"],"acf":[],"x_date":"octubre 26, 2020","x_metadata":{"_yoast_wpseo_primary_faq_tax":"8","_yoast_wpseo_focuskeywords":"[]","_yoast_wpseo_keywordsynonyms":"[\"\"]","_trp_translated_slug_es_ES":"cuales-son-los-requisitos-minimos-de-seguro-de-automovil-en-texas","_yoast_indexnow_last_ping":"1704324339","_yoast_wpseo_estimated_reading_time_minutes":"","_yoast_wpseo_wordproof_timestamp":"","_yoast_wpseo_videositemap_rating":"0"},"_links":{"self":[{"href":"https:\/\/www.justinian.com\/es\/wp-json\/wp\/v2\/faqs\/1043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.justinian.com\/es\/wp-json\/wp\/v2\/faqs"}],"about":[{"href":"https:\/\/www.justinian.com\/es\/wp-json\/wp\/v2\/types\/faqs"}],"wp:attachment":[{"href":"https:\/\/www.justinian.com\/es\/wp-json\/wp\/v2\/media?parent=1043"}],"wp:term":[{"taxonomy":"faq_tax","embeddable":true,"href":"https:\/\/www.justinian.com\/es\/wp-json\/wp\/v2\/faq_tax?post=1043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}