In Texas, you cannot register your vehicle without car insurance. The minimum amount of car insurance coverage for Texas is $25,000 for bodily injury or death to one person per accident, $50,000 for bodily injury or death to two or more persons per accident and $25,000 for damage or destruction to other property in an accident. These are just the state minimum requirements and it is advisable to have higher coverage. In fact, the recommended car insurance coverage is 100/300/100. You will be surprised to find that having that coverage will not increase your premium that much.

If you do not own your car in full, Texas requires that you have comprehensive and collision car insurance. This coverage is to reimburse the amount of the car in full in case you wreck it. You do not have to purchase this coverage if you own your car in full although if your budget can afford it, it is advisable to have this insurance. If your car is stolen or if you are responsible for the accident, this shall cover your loss or expenses.

It is illegal to drive an uninsured vehicle in Texas. If you are caught driving an uninsured vehicle, you will have to pay the fine of $175 to $350. That is if it was your first offense. For the second and third offense, the fines are substantially higher. Also, if it was your third offense, your drivers license may be suspended and your vehicle could possibly be impounded. You may also receive a citation for ” failure to maintain financial responsibility ” which is a pretty serious violation.This violation requires you to pay the ticket fine and the yearly penalty for three years.