Drive without car insurance in Texas and you could be fined, have your license suspended and pay higher auto premiums down the road.
Get caught driving without insurance in Texas and the state may fine you, suspend your driver’s license and make you file an SR-22.
Driving without car insurance here can cause you to pay higher premiums when you go to buy a policy, too.
In this article, you’ll learn all about:
If you drive or even own a vehicle in Texas, you have to buy at least a minimum amount of liability car insurance for it. Or you need to prove financial responsibility in one of several other ways. Fail to meet either of these requirements and the state might fine or penalize you.
Texas law requires you to show proof of insurance or financial responsibility when:
Here’s what happens if you can’t show proof in these situations.
These are the penalties you face for driving uninsured in Texas, based on how many times you’re caught doing so.
|Number of times caught without insurance||Penalty|
|Second or later offense||
So, if you’re caught driving with no car insurance in Texas, the state can fine you up to $350 for a first offense. And it can fine you up to $1,000 for second and later offenses.
Those fines were even higher until recently — thanks to a $250 surcharge the state added to a driver’s annual license fee after getting a ticket for no insurance. This Texas surcharge was repealed on Sept. 1, 2019.
The state may suspend your driver’s license for up to two years if you’re involved in a car accident without insurance.
To reinstate your license in Texas, you must:
You also might have to pay for any injuries or property damage you cause in an accident without car insurance.
This is true even if the other parties in the crash have uninsured motorist coverage. In this situation, their insurance companies may sue you for damages. That could result in the loss of your home, your car or even your future wages.
If you’re caught driving without car insurance two or more times in Texas, you may need to file an SR-22 for up to two years.
An SR-22 proves to the state you’re carrying at least the minimum amount of liability coverage it requires.
You don’t have to file the SR-22 form with the Texas Department of Public Safety yourself. Your insurance company files it on your behalf.
Not all insurers file SR-22 forms, so it may take you a while to find one. Also, when you find one, don’t be surprised if it charges you a fee of between $15 and $50 for the service.
Texas law requires drivers to carry at least some liability car insurance coverage.
Specifically, Texas drivers and car owners must carry at least:
You’ll sometimes see this called 30/60/25 coverage.
Don’t want to buy the state minimum amount of car insurance? Texas lets you prove financial responsibility in other ways, too. You can do so with a:
If you want to buy the state minimum amount of auto coverage but no insurance company will sell it to you, check out the Texas Automobile Insurance Plan Association (TAIPA).
The best way to get cheap car insurance in Texas is to buy the minimum amount of liability coverage the state requires.
According to the Insurance Information Institute, the average monthly premium for Texas’ minimum auto insurance liability policy was $48 in 2016.
That’s a lot less than what you’ll pay in fines and fees if you get a no-insurance ticket in Texas.
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