Texas requires all drivers to have minimum liability insurance: $30,000 per person for bodily injury, $60,000 per accident for bodily injuries, and $25,000 for property damage. This is known as 30/60/25 coverage. While these are the legal minimums, higher coverage is recommended. Additional types of coverage are available. Drivers must carry proof of insurance. Factors like driving record and vehicle type affect insurance costs. It's important to understand policy details and review coverage annually. The Texas Department of Insurance offers resources for more information. Insurance is both a legal requirement and financial protection for drivers.