Coastal guidelines for auto insurance in Texas really aren’t any different than those for inland insurance. The only "must" in regard to coastal auto insurance is that you have to carry liability insurance if you own and drive a car. If you don’t, you can be subject to fines; by your third offense, you can pay up to $1,000 in fines, and can eventually lose your license if the problem continues.
Comprehensive insurance is another type of car insurance that can be important to you if you live on the coast. This insurance is different than liability insurance. It’s not always advised, but may be a wise addition to your auto coverage.
Comprehensive Insurance May Be Important If You Live On the Coast
Comprehensive insurance covers you in the event of non-accident damage that happens to your car. This type of insurance isn’t generally advised if your car is more than 10 years old, because premiums are expensive. However, it’s useful to pay them regardless if your car is newer than 10 years old. That’s because comprehensive insurance covers you for non-accident damage to your car, such as hurricane damage from high winds or water, which can happen if you live on the coast. Comprehensive insurance will cover you for the cost of repair or replacement to your car with this type of damage, up to the current value of the car.
Comprehensive insurance can be important if you live inland, as well. That’s because non-accident damage not necessarily related to coastal living can still occur and damage your car. Damage or loss caused by non-hurricane relates to tree branches falling, hail, and simple bad weather. Other, "non-weather" circumstances like theft or vandalism are also covered by comprehensive insurance.
In short, if you have a car that’s less than 10 years old — such that your ability to repair or replace your car at current value is necessary — AND it is worth the cost of these premiums, it’s a good idea to get comprehensive insurance. That’s true whether you live on the coast or not. Decide whether or not your car is worth the expense, and then act accordingly.