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What are the penalties for a fake insurance card in Texas?
One of my friends refuses to purchase insurance because he thinks it’s a waste of money, so he uses a fake card. I keep telling him he will get in big trouble. What are the penalties in Texas?
Andrea Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Having valid car insurance is mandatory in all states, and not meeting the basic requirements for car insurance can land you in a lot of trouble.
If you’re operating a car with a fake insurance card in
Texas
, you may be committing insurance fraud—but driving without insurance will also land you a fine of between $175 and $350.First-time offenders will face the following penalties for failing to have valid insurance on Texas roads:
- Fine of between $175 and $350
- Annual driver’s license surcharge of $250 for three years
- Possible SR-22 requirement
After the first offense, penalties become more severe:
- A minimum of $350 to $1,000 fine for each ticket
- Annual driver’s license surcharge of $250 for three years (in addition to surcharges from past offenses)
- Possible 180-day vehicle impoundment
- Vehicle registration or driver’s license suspension
- SR-22 requirement
- Up to six months in jail if an accident occurred
Using a fake insurance card in Texas is highly risky since many states have automatic license plate readers to determine if a vehicle has insurance. This means you could be identified by a camera on the road, or even one mounted to a police cruiser, so just by driving down the road or being parked, your vehicle can be flagged as potentially driving without insurance.
Before you hit the road in Texas, make sure you have the right vehicle coverage and
proof of valid insurance
. View full answer
- Gregory R.
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