(512) 883-0277 
Driving without insurance is against the law in Texas. State financial responsibility laws require all drivers to maintain minimum liability coverage to operate a motor vehicle legally. This mandate ensures that anyone who causes a crash has the financial means to cover resulting injuries or property damage.
Texas Minimum Insurance Requirements
As of 2025, Texas law requires drivers to carry at least the following liability insurance coverage:
- $30,000 for bodily injury per person.
- $60,000 for total bodily injury per accident.
- $25,000 for property damage per accident.
This is commonly referred to as 30/60/25 coverage. These minimums are intended to cover damages or injuries you may cause to others in an accident. However, they may not be sufficient to cover all costs in a serious accident, and they do not cover your own injuries or vehicle damage.
Penalties for Driving Without Insurance in Texas
Driving without insurance in Texas can lead to severe consequences. According to the Texas Department of Public Safety, there were over 2,700 violations for driving without insurance during a recent enforcement period.
Penalties for driving without insurance may include:
- Fines:
- First offense: $175 to $350.
- Subsequent offenses: $350 to $1,000.
- Surcharges: An annual surcharge of $250 for three years (totaling $750) may be assessed.
- License Suspension: Your driver’s license and vehicle registration may be suspended.
- Vehicle Impoundment: Your vehicle may be impounded, and you would be responsible for towing and storage fees.
- SR-22 Requirement: To reinstate your license, you may be required to file an SR-22, a certificate of financial responsibility.
These penalties can have long-term financial and legal implications, making it crucial to maintain proper insurance coverage.
Why Maintaining Vehicle Insurance in Texas is Crucial
Beyond legal compliance, having car insurance provides financial protection. In the event of an accident, insurance can cover medical expenses, property damage, and other costs, protecting you from significant out-of-pocket expenses. Additionally, being uninsured can lead to increased insurance premiums in the future and potential civil liability if you’re found at fault in an accident.
What to Do If You’re Caught Driving Without Insurance in Texas
If you’re caught driving without insurance in Texas, taking immediate steps to mitigate the consequences is essential.
They include:
- Obtain Insurance: Purchase the required minimum liability insurance immediately.
- Pay Fines Promptly: Address fines or surcharges to avoid additional penalties.
- File an SR-22: If required, file an SR-22 with the Texas Department of Public Safety to demonstrate financial responsibility.
Injured by an Uninsured Driver in Texas? We Can Help.
At Glen Larson Car Accident Attorneys, we know how devastating it can be to suffer injuries in a crash, especially when the at-fault driver has no insurance. Fortunately, Texas law provides legal options to pursue compensation even in these complex situations. Our experienced Austin personal injury attorneys will fight to protect your rights and seek the recovery you deserve.
Call (512) 883-0277 or contact us online today to schedule a free consultation. We pursue dedicated, driven results for our clients, and there is never a charge to talk to an attorney. We stand ready to help you.
