How Much Is a Ticket for No Proof of Insurance in Texas?
If you’re pulled over in Texas and cannot show proof of insurance, you’ll face more than a fine—the penalties can be steep and long-lasting. For a first offense, expect a ticket that includes a fine of $175 to $350, plus a $250 annual surcharge for three years and a likely requirement to file an SR‑22 certificate to prove future coverage. This opening blow can snowball into thousands in added costs if you repeat the offense or ignore the surcharges and SR‑22 requirements.
What Happens if You’re Pulled Over Without Insurance in Texas
Even if you had coverage but forgot your card, a valid ticket can still be issued. For this infraction, Texas law mandates:
- First-time offense: Fine of $175 to $350
- You may also owe a $250 annual surcharge for 3 years—that’s $750 total
- You’ll typically be required to file an SR-22 certificate as proof of future compliance

How Much Is the Ticket?
- For a first offense, you’ll generally face a fine between $175 and $350
- A second or subsequent offense carries fines from $350 up to $1,000, along with license or registration suspension until proof of coverage is filed
More Than Just a Fine: Long-Term Financial Impact
- SR-22 filing fees (usually around $25–$50) because insurance companies handle this on your behalf
- Premium hikes after a no-insurance ticket often increase annual auto insurance costs by 10–15% or more
- Additional license reinstatement fees may apply if your license is suspended (typically around $100)
Altogether, a single ticket can cost between $925 and $1,100 for first-time offenders when fines, surcharges, SR‑22 filing, and insurance increases are included.
What If You Had Insurance but Couldn’t Prove It
Texas law allows you to defend the ticket by showing valid insurance was in effect at the time of the stop. If accepted, the charge must be dismissed with no fine or surcharge.
Extra Penalties and Risks for Repeat Offenders
- Subsequent offenses may result in license or vehicle registration suspension until proof of insurance is submitted
- Your vehicle could be impounded for up to 180 days, incurring storage fees of about $15 per day, potentially totalling over $2,000
- You also face a Class C misdemeanor conviction, increasing long-term costs with lower overall insurance eligibility
Why These Rules Exist
Texas requires all drivers to carry minimum liability insurance:
- $30,000 for bodily injury per person
- $60,000 per accident
- $25,000 for property damage per accident
If you’re at fault in a crash without insurance, you’re fully responsible for damages—your assets are on the line.
FAQ
How much is a ticket for no proof of insurance in Texas?
A first offense fine ranges from $175 to $350, plus a $250 annual surcharge for 3 years and the need to file an SR‑22 certificate.
What happens if I get a second ticket for no insurance?
Fines increase to $350–$1,000, your license or registration may be suspended until you show proof of insurance, and your vehicle could be impounded.
Could I face jail time for no insurance?
Typically no mandate for jail time, but Texas law allows fines up to $500 for failure to establish financial responsibility under certain conditions.
Can I get the ticket dismissed if I had insurance?
Yes. If you can prove you had valid coverage at the time, the charge must be dismissed with no fine or surcharge.
Is no proof of insurance considered a DUI or moving violation?
No. It’s a Class C misdemeanor, not a moving violation—no points—but it triggers a sizable financial surcharge.
Conclusion
So, how much is a ticket for no proof of insurance? In Texas, it’s more than just a citation—it’s a financial and legal trigger. The immediate fine ($175–$350) is just the beginning. You’ll likely pay annual surcharges and deal with higher insurance rates, and repeat violations bring even harsher consequences like license suspensions and impoundment. If you have valid insurance at the time of the stop, getting the ticket dismissed is your best bet—saving you money and trouble down the road.