Bill > HB4178

This bill increases the minimum motor vehicle liability insurance coverage requirements in Texas, effective January 1, 2026. Specifically, the bill raises the mandatory insurance coverage limits from $30,000 to $50,000 for bodily injury or death of one person in a single collision, from $60,000 to $100,000 for bodily injury or death of two or more persons in a single collision, and from $25,000 to $40,000 for damage to or destruction of property in a single collision. The new insurance requirements will only apply to insurance policies delivered, issued, or renewed on or after January 1, 2026, meaning that existing policies will continue to be governed by the previous coverage limits until that date. The bill aims to update the state's financial responsibility requirements for motor vehicle insurance, potentially providing greater protection for drivers by ensuring higher minimum coverage amounts. The legislation will take effect on September 1, 2025, giving insurance providers and vehicle owners time to prepare for the new coverage requirements.

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https://capitol.texas.gov/BillLookup/History.aspx?LegSess=89R&Bill=HB4178