What is the Penalty for Driving Without Insurance in Texas?

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They say everything is bigger in Texas, and the state’s problem with uninsured drivers is no exception. It is estimated that there are 4 million cars on Texas roads without the state’s minimum required 30/60/25 in liability coverage; that’s almost 20% of all vehicles on the road in the state! The state established TexasSure in 2008 to help alleviate the problem by allowing law enforcement to see your insurance policy’s status when they pull you over. If you are caught driving without insurance in Texas, the consequences can be substantial, including, but not limited to, fines, vehicle impoundment, and suspension of driving privileges.

What Is the Penalty for Driving Without Insurance in Texas

Penalties for First Offense

The state of Texas does not take driving without insurance lightly. If you are caught driving without insurance, penalties for first-time offenders include:

  • Fines ranging from $175 to $350
  • $250/year surcharge when renewing the license for three years 
  • Increased premiums when you do get proper insurance because you are now seen as a high-risk driver
  • SR-22 requirement imposed

Penalties for Repeat Offenders

If you didn’t learn your lesson the first time and are caught once again driving without minimum insurance requirements, penalties could include:

  • Fines ranging from $350 to $1,000
  • $250/year surcharge when renewing the license for three years 
  • Increased premiums when you do get proper insurance because you are now seen as a high-risk driver
  • SR-22 requirement imposed
  • Suspension of vehicle registration and/or driver’s license
  • Vehicle impoundment up to 180 days with a $15/day fee (that’s $2,700 for the full 180 days!)

Is Driving Without Insurance a Misdemeanor in Texas?

Yes, driving without insurance is a misdemeanor in Texas, but you will not be arrested. While you may not face jail time, the previously mentioned fines, fees, and hassles are more than enough incentive to remain within the legal requirements of the road.

What Happens if I’m in a Wreck Without Insurance in Texas?

If you decide to drive without proper auto insurance and then cause an accident, you are liable for the damages caused. Being financially responsible means that whoever is involved in the accident could come after your assets to cover the cost of the damages. To top it off, you will also receive a ticket for driving without insurance and will need someone with insurance to come to drive your vehicle, or else you risk it being impounded.

Save Money and Hassle on Your Car Insurance

Not having auto insurance can be a costly mistake between the fees, fines, and potential financial liability. The average price for minimum liability insurance paid by TGS Insurance customers in Texas is $526; that number is far less than the fees you will incur with just one offense driving without insurance. Let the experts at TGSI do the work for you to get the coverage you need. Get started with a free auto insurance quote today to see how much you could be saving!

About Katie Rosario

Katie has been in the marketing industry for over 10 years and has a strong passion for writing great content. She has been writing for TGS Insurance for three years and strives to make every piece of content she works on informative and easy to read. In her spare time, she enjoys baking and spending time with her family.