Texas insurance Laws

Texas insurance Laws

Insurance needed to register a car: you want to give valid proof of insurance (or another accepted style of monetary responsibility) to the county assessor-collector once registering a vehicle in Lone-Star State.

Mandatory discount: Lone-Star State needs a five % discount once the principal driver on a policy completes a drug and alcohol awareness coaching category.

Driving while not insurance: you'll be punished $175 to $300 associate degreed you'll be needed to file an SR-22 kind.

Driving without a license: A first-time offense will get you a fine of up to $200. Third-time offenses can bring the penalty to $500 plus jail time of 72 hours to six months. In addition, Texas' Driver Responsibility Program will charge you an additional $100 per year for three years.

Expired registration: You can normally get dismissed if you get your registration renewed within 20 days of receiving the citation. The fines for the offense usually run between $120 and $180 depending on the jurisdiction where you received the ticket.

Expired inspection sticker: Fines for an expired state inspection come out to about $150. You can drop this to a $20 administrative court fee, however, if your inspection was expired for fewer than 60 days and you renew your inspection within 20 days.


No grace period: In Texas, there is no 30-day grace period after buying a car before you have to obtain insurance.

No age restriction for vehicle ownership: In Texas there is no age restriction to own and register a car, but proof of financial responsibility (liability insurance) is required to obtain registration.

Motorcycle helmets: Texas' mandatory motorcycle helmet law was repealed in 1997, but exceptions remain for riders under 21 or those who lack health insurance.