Texas law operates under a financial responsibility system. If you cause an accident, you must pay for it. The state-mandated minimum liability coverage is known as 30/60/25 coverage:

Note: These are only minimums. Because vehicle and medical costs are high, if a wreck exceeds these limits, you can be sued for the difference.

Generally, insurance follows the car. If you give a friend permission to borrow your car, they have a valid driver's license, and they aren't explicitly listed as an "excluded driver" on your policy, your insurance will usually act as the primary coverage if they get into an accident.

Texas has a high rate of uninsured motorists. Uninsured/Underinsured Motorist (UM/UIM) coverage protects you if you're hit by someone with no insurance, too little insurance, or if you're the victim of a hit-and-run.

No. Mexico does not recognize U.S. auto insurance policies. While a few Texas insurers offer a minor endorsement that covers you within 25 miles of the border for brief trips, you legally need to purchase a specific Mexican liability insurance policy before crossing the border.

No. If your car is broken into and your laptop or personal items are stolen, your auto insurance will not cover those belongings. You would need to file that through a renters or homeowners insurance policy. However, if the thief damaged your car (e.g., broke a window), your auto policy's Comprehensive coverage will pay for the repairs, minus your deductible.