Liability Insurance Increased RequirementsAs of the beginning of the year, motorists in the Lone Star State were required to either purchase or renew an automobile policy with higher limits for liability; this also means that carriers must issue policies with no less than the protection offered by these new limits. The state has gone through two recent increases in coverage requirements which consumers must have complied with, and with an increase in the minimum required levels of coverage often comes a slight increase for those who only carry the minimums.The first increase in requirements for Texas' motorists was effective as of April 1, 2008 and made it mandatory that all policies written must consist of ,000 for bodily injury or death to one person, ,000 for bodily injury or death to two or more people and ,000 for property damage. The limits prior to this were ,000, ,000 and ,000, respectively. However, since January 1, 2011, the state has required that motorist carry ,000 for bodily injury to one person and ,000 for bodily injury to two or more people; the property damage required has remained the same. Although these limits have increased, it is estimated that there has only been a slight increase in premiums and cheap liability car insurance in Texas can still be obtained.