All states have their own set of car insurance rules. In Texas, all car owners must meet minimum liability requirements on any vehicle they drive. The minimum requirements are $30,000/$60,000/$25,000. If you do not have proof of insurance, or do not carry insurance on your vehicle, you will face tough consequences if you are stopped by a police officer.
- The first offense for being caught without car insurance will result in a fine of at least $175 and as much as $350, in addition to any court fees.
- Subsequent offenses will result in fines of as little as $350 and as much as $1,000, in addition to court fees, impoundment of the vehicle at your own expense, and the suspension of your driver’s license for as long as two years.
- Once convicted, you will face a yearly surcharge of $250 for three years to maintain your Texas driver’s license.
- Last but not least, when you finally do purchase Texas auto insurance, it is safe to assume that your car insurance premiums will be much higher than they would have been had you simply purchased insurance in the first place.
Don’t drive on the road without Texas auto insurance. Keep in mind, the state of Texas has an insurance verification system called TexasSure, so a police officer can easily know if you have insurance.