Texas · The floor is liability, not “full coverage”
Texas car insurance covers the parts you bought. The legal floor is 30/60/25 liability. Collision, comprehensive, rental, and gap are not in that floor, and this page will not quote a fine.
The Texas Department of Insurance auto guide sets the minimum at $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. That is what financial responsibility asks for on a public road. It pays other people when you are at fault, up to those limits. An $80,000 judgment against a $30,000 per-person limit leaves the rest on the driver. That is example math, not a case. With no policy at all, there is no liability cap between a judgment and you. A no-insurance charge can stand even if you were not at fault. Fine amounts are whatever the statute and the court set. They are not printed here.
The same guide in Spanish: qué cubre el seguro de auto. The longer version: policy facts and car insurance in Texas. Shopping and switching: how to shop and how to switch. Liability only: what it leaves unpaid. How limits work: insurance limits.
