Texas financial responsibility law requires all drivers to provide proof of financial responsibility. Most drivers do this by carrying at least the state minimum liability car insurance coverage.

The state of Texas has a vehicle insurance verification system that verifies all drivers are carrying the minimum required amount of liability car insurance it is called TexasSure.

Penalty for failure to maintain the minimum liability in Texas results in heavy fines and suspension of drivers license.
No insurance violations may raise your premiums and can result in a mandatory filing of a Texas sr22 to avoid driver license suspension.

SR22 is a safety responsibility form that must be filed with the state of Texas department of public safety.
It is required for drivers who are convicted of driving while intoxicated, no insurance tickets and numerous other reasons.

If you should cause an accident without liability insurance, you will be held liable for all injuries and damages caused by you in the accident.
State minimum liability may not cover all injuries and damages resulting from the accident. It is always better to carry an adequate amount of insurance.

Always at least carry the minimum coverage; doing so will keep you out of trouble with the law. Keeping insurance continuous can help lower your premiums as well.

Carrying the required minimum car insurance in the state of Texas is far cheaper than the fines and risk for driving without insurance.