Relating to the minimum motor vehicle liability insurance coverage requirement for bodily injury or death or for damage to or destruction of property of others.

HB 4178 increases Texas' minimum required auto insurance coverage for bodily injury/death and property damage. Starting January 1, 2026, drivers must carry $50,000 per person/$100,000 per collision for bodily injury or death, and $40,000 for property damage - up from current $30,000/$60,000 and $25,000. These changes apply only to insurance policies delivered, issued, or renewed on or after the effective date. The bill directly affects all Texas drivers purchasing new or renewed auto insurance policies after 2025. It does not change requirements for policies in effect before January 1, 2026.