If I Decide to Drive Without Insurance?
Driving without insurance is not a good idea, and there are severe penalties for doing so. First time offenders are subject to a fine of up to $350, plus court costs, and may be assessed additional fees as authorized by Transportation Code Chapter 708: http://www.statutes.legis.state.tx.us/Docs/TN/htm/TN.708.htm. Repeat offenders face fines of up to $1,000 and a two (2) year driver license suspension.
Bottom line? The law requires "the motorist or operator of a vehicle to provide evidence of financial responsibility." In other words, when it comes to vehicle insurance, there are no more free rides.
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