10/08/2026
In Texas, the minimum liability car insurance limit is 30/60/25. That coverage is for the other driver when you cause a wreck. It doesn't cover you.
If someone with no insurance (or the bare minimum) injures you or a passenger in your car, what protects you is UM/UIM (uninsured/underinsured) and PIP coverage (personal injury protection).
Texas insurers must offer both, and you must reject them in writing if you don’t want them. The coverage is generally reasonably priced, protects you and yours and is well worth the cost.