Attorney Brian White Personal Injury Lawyers | March 14, 2025 | Car Accidents
Texas law requires all drivers to carry minimum liability insurance. If you get caught driving without it, you could face hefty fines, additional fees, and potential license suspension. Understanding the costs and consequences of a no-insurance ticket in Texas can help you avoid long-term financial and legal troubles.
Fines and Fees for Driving Without Insurance in Texas
If you’re pulled over and don’t have valid auto insurance, you could receive a citation. The penalties increase if you have multiple offenses.
Here are the penalties:
- First offense: A fine of up to $350
- Second offense: A fine of up to $1,000
- Additional surcharges: Texas may require extra fees on top of the fine, often up to $250 per year for three years
- Towing and impound fees: If your car is impounded, you may need to pay towing and storage costs
Not only do these fines add up quickly, but driving without insurance also puts you at risk of losing your license or registration.
Other Penalties for Driving Without Insurance
A no-insurance ticket in Texas can lead to more than just a fine. The state takes uninsured driving seriously, and repeat violations come with stricter consequences.
The other penalties include:
- SR-22 requirement: If you’re caught without insurance, you may need to file an SR-22 form, which proves you have insurance. This requirement can significantly raise your insurance rates.
- License and registration suspension: If you fail to show proof of insurance after a citation, the state may suspend your driver’s license and vehicle registration.
- Impoundment of vehicle: In some cases, law enforcement may impound your car until you provide proof of insurance.
The financial impact of driving without insurance can go beyond just fines. Insurance companies often charge higher rates to drivers who receive no-insurance tickets, making it more expensive to get coverage in the future.
What if You Have Insurance But Can’t Prove It?
Sometimes, drivers have valid auto insurance but forget to carry proof of coverage. If this happens, you may be able to avoid fines by showing proof of insurance in court.
To avoid unnecessary penalties, always keep a copy of your insurance card in your vehicle or use a digital version on your phone. Texas usually allows drivers to provide electronic proof of insurance.
What Happens if You’re in an Accident Without Insurance?
Driving without insurance is risky, especially if you’re involved in a car accident. Texas follows a fault-based insurance system, meaning the at-fault driver is responsible for damages.
If you’re uninsured and cause an accident, you could be sued for:
- Medical bills
- Vehicle repairs
- Lost wages
- Pain and suffering
These damages can add up to tens of thousands of dollars or more in some cases.
How To Reinstate Your License After a No-Insurance Ticket
If your license or registration is suspended due to a no-insurance violation, you’ll need to take the following steps to get them reinstated:
- Provide proof of insurance: You must show valid coverage to the Texas Department of Public Safety (DPS).
- Pay reinstatement fees: You may need to pay fees, often $250 or more, to restore your driving privileges.
- Maintain SR-22-backed insurance: In some cases, you must submit an SR-22 and maintain coverage for up to two years to prove you have active insurance.
If you’re facing these consequences, speaking with an attorney can help you understand your options and prevent further issues.
Contact a Texas Car Accident Lawyer for Legal Help
Getting a no-insurance ticket in Texas can lead to serious financial and legal consequences. If you’re dealing with fines, license suspension, or an accident while uninsured, a Texas car accident lawyer can help.
An attorney can review your claim, explain your options, and work to minimize penalties. Contact a legal professional today to protect your rights and explore your best course of action.
Contact a Houston Personal Injury Lawyer to Help You With Your Claim
For more information, contact the Houston personal injury law firm of Attorney Brian White Personal Injury Lawyers by calling (713) 500-5000.
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