Texas requires drivers to have minimum liability car insurance: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Additional coverages like personal injury protection, uninsured motorist, collision, and comprehensive are optional. Texas follows an at-fault system, allows stacking of uninsured motorist coverage across policies, and mandates insurance for vehicle registration. Penalties exist for driving uninsured or impaired.
