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Law & Safety 6 min readFeb 22, 2026

Driving Without Insurance: Texas Penalties in 2026

Think you can't afford insurance? You definitely can't afford the penalties for driving without it. Here's what's at stake.

Texas is a "Surety" State

Every driver in the Lone Star State is legally required to show financial responsibility. Failure to do so isn't just a minor ticket—it's a significant legal violation.

Tiered Legal Penalties

First Time Offense

Fines between $175 and $350.

Additional court costs and fees.

Repeat Offense (Within 3 Years)

Fines between $350 and $1,000.

License suspension & vehicle impoundment.

The "Hidden" Costs

The ticket is just the beginning. The long-term financial impact of driving uninsured can be devastating:

SR-22 Filing Requirement

You may be required to file an SR-22 certificate for 3 years, which significantly increases your standard premiums.

Personal Liability

If you cause an accident, you are personally responsible for medical bills and car repairs. Your wages can be garnished.

It's Not Worth The Risk

A-LA has policies starting for as little as the cost of a few pizzas a month. Get legal today.

GET COVERED NOW