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Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
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This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
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Yellow Dog Productions/Getty Images September 14, 2022 Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
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Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work.
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The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries.
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While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249).
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For more information, please see our Insurance Disclosure. Bankrate logo
The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.
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Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you.
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They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options.
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We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible.
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All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.
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Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.Key Principles
We value your trust.
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Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team.
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Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions.
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We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
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Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
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Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
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The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service.
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We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site.
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While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in .
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Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer.
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The information on this site does not modify any insurance policy terms in any way. Part of the responsibility of owning and registering a vehicle is maintaining auto insurance.
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While having auto insurance is a requirement in most states, it’s also personally beneficial since your liability coverage provides injury and property damage payments to the other party if you’re at fault in an accident — saving you from steep out-of-pocket costs. Between fines, suspensions and impounding fees, the penalties for driving without insurance in Texas can be costly. Bankrate’s insurance editorial team used its decades of combined industry experience to break down what you can expect if caught driving without insurance in the Lone Star State.
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Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022.
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Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate.
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The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available.
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Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement.
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All offers are subject to additional terms and conditions.
Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance?
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Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios.
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All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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See more providers in Choose from insurers in Show More RATE INCREASE ALERT
Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways.
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The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current.
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Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance?
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Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios.
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All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More
Texas car insurance laws
are straightforward: you must prove financial responsibility to operate a vehicle legally.
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Most people do this by maintaining a minimum level of liability coverage on an auto insurance policy. The required minimum liability limits in Texas are 30/60/25, or: $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $25,000 property damage liability per accident Additionally, you must carry current proof of insurance in your vehicle and present it to law enforcement if asked.
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Although rare, Texas law also allows drivers to opt out of carrying state minimum car insurance by depositing . These funds are set aside for the driver to pay for the other party’s damages in the event of an at-fault accident.
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Penalties for driving without insurance in Texas
The in Texas is $1,868 per year for a full coverage policy and $551 per year for a minimum coverage policy. Some Texans drive uninsured as a cost-saving measure, but the associated fees and penalties can quickly exceed the average cost for an auto policy.
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Penalty type First offense Subsequent offenses Fines Up to $350 Up to $1,000 Driver’s license surcharge $250 a year for three years Additional $250 a year for three years In addition to fines and surcharges, repeat offenders can expect: Vehicle impoundment and associated fees Vehicle registration suspension License suspension and reinstatement fee SR-22 requirement Up to six months in jail if uninsured in an accident Fines and surcharges aside, it’s essential to look at the risk of driving uninsured holistically since some penalties are hard to quantify. For example, if the DMV impounds your vehicle, you will have to pay daily impound fees and you may miss time from work if you don’t have access to another car. To ensure that its drivers maintain minimum insurance requirements, the state implemented a program called .
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TexasSure is an electronic database that connects your insurance information to the DMV, and if your policy lapses, your car insurance company will automatically notify the DMV using TexasSure. Once the lapse is reported, the DMV will send you a letter requiring you to provide proof of insurance within 10 days. If you cannot provide the requested information in that timeframe, you could face fines and penalties.
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Getting into an accident without insurance in Texas
In Texas, getting into an accident without liability insurance can have devastating financial consequences. Suppose you’re at fault in an uninsured accident. In that case, the courts could liquidate your home, retirement fund or other assets to cover the other party’s medical expenses, property damage and court costs.
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Since car accidents can potentially reach hundreds of thousands of dollars in damages, an uninsured at-fault driver could face bankruptcy. You will also probably be required to carry an on your policy.
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An SR-22, or certificate of financial responsibility, is a form your insurance company files with the DMV. This form certifies that you carry at least the minimum amount of liability coverage in your state, and in Texas, you must maintain an SR-22 for two years when they are required.
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Any time your policy lapses, your insurance company will automatically notify the DMV, and you will have to refile the SR-22. This lapse usually results in a suspended license and a $100 license reinstatement fee.
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Even if you are not at fault in an uninsured accident, the DMV may still require you to carry an SR-22 — it all depends on if you were issued a ticket. Regardless of fault, law enforcement can give you a ticket if you did not have insurance at the time of the accident. If this is your second ticket for no insurance, then an SR-22 is required.
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Frequently asked questions
What is the best car insurance in Texas
Based on our research, USAA and Geico are among the . Depending on your needs, however, this answer can change. For instance, some drivers think that the company that offers the most discounts is the best, while others are looking for a company with convenient digital tools for policy management.
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Before shopping, it may be helpful to write down what you are looking for in an auto policy.
What is the cheapest car insurance in Texas
Car insurance companies use proprietary algorithms to analyze more than a dozen rating factors to determine a premium.
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Some of these rating factors include your driving history, location, type of vehicle you insure and in some states like Texas, your credit score. Because insurance is so personalized, no one company is cheapest for all. However, shopping around with multiple companies can help you find the for your unique circumstances.
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How much does car insurance in Texas cost
The in Texas is slightly higher than the national average at $1,868 per year for a full coverage policy and $551 for minimum coverage. However, you could be paying more or less depending on your circumstances. Most insurance professionals recommend you request at your renewal to ensure you get the best rate possible for your specific coverage package.
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How do I get an SR-22 in Texas
If the state requires you to carry an , you must contact your current car insurance company to let them know. Not all companies offer SR-22 filing services, but if yours does, they will electronically file an SR-22 with the DMV. There will probably be a small fee associated with filing the SR-22, but it is only due at the time of filing and not at every renewal.
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Do note that if your policy lapses or you switch companies, you will have to pay another fee to have your SR-22 refiled. If your company doesn’t offer SR-22s, you will need to shop for a company that does. SHARE: Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent.
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During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
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Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work.
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