Auto Insurance
A Crash Course
AutoInsurance
Texas Auto Insurance
Are you a resident of the Lone Star State? If you are, it's your lucky day! Texas residents have the opportunity to get affordable car insurance in seconds with Branch. Whether this is your first time purchasing car insurance or you're a pro, here's a few things that make Texas auto insurance unique from other states.
Texas Minimum Auto Insurance
Each state has their own laws regarding the minimum auto insurance coverage needed for each vehicle, and since Texas drivers drive an average of 16,347 miles per year, it's important you have the right coverage. While there are many options to add more coverage for your vehicles, the following is the minimum requirement for Texas residents:
- Bodily injury liability coverage: $30,000 per person
- Bodily injury liability coverage: $60,000 per accident
- Property damage liability coverage: $25,000 per accident
This is referred to as 30/60/25 coverage.
Let’s break these coverages down a little bit further.
When you get into an accident and you're found to be at fault, bodily injury liability coverage pays for the injuries you cause to another driver and/or their passengers. The state minimum coverage requires that you have coverage for at least $30,000 per person for any injury they have as a result of the accident up to $60,000.
Here’s a few scenarios to better explain this:
Scenario 1:
Let’s say there’s 1 person injured in an accident caused by you. That person’s total cost of injury is $40,000. While your policy allows for up to $60,000 per accident, it only allows up to $30,000 per person. You are responsible for the other $10,000 out-of-pocket.
Scenario 2:
This time there are 2 people injured in an accident you cause. Person A has injuries totaling $40,000 and Person B has injuries totaling $20,000. Since your per person limit is $30,000, you’ll be responsible for paying the remaining $10,000 of Person A’s injuries. However, since your policy covers $60,000 per accident, your insurance will cover all of Person B’s injuries.
Property damage liability coverage covers the damage and cost of repairs you cause to another car or property if you get into an accident. This means if you get into an accident and get run off the side of the road, ultimately knocking over someone’s mailbox and part of their fence, you’ll have at least $25,000 of coverage to repair all of that damage.
Click here to learn more about the available coverages you have for auto insurance!
Auto Insurance Average Costs in Texas
Luckily, the great state of Texas typically has less expensive auto insurance premiums averaging $1,415 per year, compared to the national average premium of $1,548 per year. However, we all know that insurance prices don't just rely on the state you live in. Other factors such as the age and type of vehicle you drive, your driving record, and your age also influence how much you'll be spending on your premium. If you think these factors will increase your insurance bill, don't worry! Once you are a member of the Branch Community, you’ll have the ability to participate in discount programs that can lower your overall cost of insurance.
Texas Discount Programs
Whether you live in Houston, San Antonio, Dallas, or anywhere in between, Branch has your back with discount programs that will put some money back in your pocket!
Refer and Earn
We love building the Branch community with your community and love rewarding you for it even more. When you become a Branch client, you will receive a unique referral link in the Branch app. We encourage you to share this with your friends and family, on your social media, etc. Anyone that visits Branch for the first time from your link and checks their insurance price with us will receive a $10 Amazon gift card and we will send you a $25 Amazon Gift Card! That's some easy cash!
