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The main reason I switched is because when I call, I…” more. ciro's pizza stuarts draft The Texas Department of Insurance (TDI) is responsible for regulating car insurance companies in Texas and setting guidelines for premium rates. The TDI requires that all Texas insurers must have minimum liability coverage limits set at $30,000 for each injured person up to a total of $60,000 per accident, and $25,000 for property damage. Conroe car insurance is not only legally required but a safety necessity for you, your passengers, pedestrians, and other drivers. How Much Car Insurance Do I Need in Conroe? In Texas, by law, you must have at least $30,000 in bodily injury liability coverage for each person, $60,000 per accident, and $25,000 for property damage per accident.