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Texas takes car insurance seriously. If you've been caught driving without it, then the state may temporarily revoke your driving privileges. If your driving privileges are revoked, you will need to pay a fine before you can legally drive again. Here's a quick overview of how it works:
Cost of driving without insurance in Texas
Driving without insurance in Texas can be very expensive. For your first offense, you will face fines ranging from $175 to $300. On top of that, you will have to pay an annual $250 surcharge fee for three years following your violation. Second and subsequent offenses carry higher fees which range from $350 to $1000, and also carry the annual $250 annual surcharge fee for three years.
|First offense||$175-$300||$250 for 3 years|
|Second and subsequent offenses||$350-$1,000||$250 for 3 years|
Vehicle registration suspended for driving without insurance
By state law, drivers in Texas must carry the minimum auto insurance required. Although spending $885 on average per year may seem like a lot, you will likely spend twice that amount in fines if you skip insurance altogether. The Texas Department of Public Safety may suspend your license or registration for any of the following reasons:
- You've received two or more convictions of driving without insurance.
- The DPS has received notice that you've canceled your insurance.
- While uninsured, you were in a collision that resulted in injury, death or property damage.
In addition to a license suspension, you may have to pay a fine or face other penalties for driving while uninsured. But depending on the severity of your conviction, the process of reinstating your driving privileges could be fairly easy.
Reinstating your driving privileges
Texas will mail you a "Notice of Suspension" letter. You'll get a chance to stop the suspension or reinstate your license by paying a $100 fee and asking your insurance company to file an SR-22 form on your behalf.
If you've received a Notice of Suspension, it's important to act fast. You can request a hearing to challenge the suspension within 15 days of receiving the notice. If the DPS receives and approves your request before the deadline, you'll receive information about the hearing details.
To reinstate your driving privileges, you'll need to pay a $100 fee online and provide the following information:
- Texas driver's license/ID card
- Date of birth
- Last four digits of your Social Security number
- A valid credit card (Visa, Mastercard, Discover or AmEx)
If your license was suspended because you were uninsured or canceled your insurance, then you'll need to file an SR-22 form. This form proves you have enough coverage, and it will need to stay on file for two years from the date of conviction. If you were uninsured and involved in a serious collision, then you'll need to file both an SR-22 form and an SR-60 form. The SR-60 form is an application to reinstate your driving privileges, as long as there are no pending civil suits or unpaid judgments against you.
We recommend comparing quotes from insurance companies that specialize in policies for drivers that have incidents on their record.
How to submit SR-22/Sr-60 form
When submitting your SR-22 and/or SR-60 form, you must include a copy of the suspension notice and write your name, date of birth and driver's license number on each form. There are three ways to submit SR-22 or SR-60 forms to the Texas DPS:
1. Submit forms by mail: You can mail the required forms to the DPS at:
Texas Department of Public Safety Enforcement and Compliance Service P.O. Box 4087 Austin, TX 78773-0320
2. Submit forms by fax to the DPS Fax the forms to 512-424-2848.
3. Submit forms as PDF Attach the forms to an email and send to [email protected]
If you were unable to find auto insurance in the voluntary market in Texas, you can apply for coverage through the Texas Automobile Insurance Plan Association, which insures high-risk drivers.
Notices from TexasSure
Officials can use the TexasSure database to check the status of a driver's car insurance. Here's how it works: Auto insurance companies report updated policy information to TexasSure. If TexasSure can't match an insured customer to a vehicle, an official will send the customer a TexasSure Vehicle Insurance Verification notice.
If you get one of these in the mail, take action within 10 days. Call the TexasSure customer service line listed on the notice. Have your reference number handy — it's listed on the top of your letter — and ask about next steps.
If you can't contact TexasSure, call the Texas Department of Insurance at 800-578-4677, and they will connect you with TexasSure.