No, you do not need to purchase special insurance simply to tow a trailer behind your car or pickup truck as long as that car or truck has current insurance liability coverage. In Texas, drivers are required to carry a minimum bodily injury liability limit of $25,000 per person and $50,000 per accident along with a property damage limit of $25,000 per accident. If you have any questions, contact an agent regarding your insurance coverage.
On the other hand, if your trailer is financed, your lender or lien holder could require you to carry physical damage coverage. In that case, you’ll need to contact an insurance agent and have them give you quotes for comprehensive and collision coverages only.