There are two types of liability coverage for auto accidents: Bodily Injury (BI) pays if you hurt someone. Property Damage (PD) pays to fix or replace someone else's car or property. Texas law requires that car owners and drivers be able to pay for damages caused in an auto accident. This is called "financial responsibility."What is the cheapest car insurance company in Texas?
The cheapest car insurance companies in Texas include Texas Farm Bureau, GEICO, Progressive, State Farm, and Mercury. Overall, Texas Farm Bureau had the best rates, but it does require a membership fee. Here are the average rates across 78 cities for our sample driver, a thirty year old single male with a clean driving record.