Auto Insurance in Texas

Texas is infamous for being a huge state and with such a large footprint within the United States comes many highways and roads that are utilized by Texas drivers daily. Therefore, with so much asphalt and so many drivers on the road, it is critical to ensure your automobile is protected with the correct insurance policy. Whether you are new to the great State of Texas or looking for a better rate, Rickey McGill Insurance Agency can assist.

Texas Auto Insurance Laws

The State of Texas requires you to show proof of auto insurance when you are pulled over by law enforcement for any reason, complete specific transactions related to your driver’s license, get your car inspected or register a car with the Department of Motor Vehicles. The fine for driving with no auto insurance is hefty at $1,000 in addition to surcharges related to the driver’s license fee. Therefore, avoid these hefty fines by signing up for at least the minimum required insurance coverage.

Minimum Requirements

If you are living anywhere in the state, including Arlington, TX, note that the minimum coverage is Bodily Injury Liability, Uninsured Motorist Bodily Injury, PIP, Property Damage Liability, and Uninsured Motorist Property Damage coverage. Although these are the minimum state requirements, each driver’s insurance requirements are different, so it is important to speak to a specialist to determine your specific needs.

Teen Driver Requirements

If you have teenagers behind the wheel, there are specific laws pertaining to driving and insurance. At age 15, a new driver can apply for a learner’s license which allows them to practice with a licensed driver over the age of 21. At age 16, new drivers can apply for a provisional license after holding a valid learners license for six months, complete behind-the-wheel and classroom driver’s education, pass the driving test and pass the Impact Texas Teen Driver course in Arlington, TX.

If you are looking for Texas auto insurance options, contact the Rickey McGill Insurance Agency today for more information!