What happens if you stop paying your car insurance premium in Texas?

I currently have car insurance in Texas, but my insurer keeps increasing my premiums. I want to find a new, cheaper policy, so I thought maybe I should stop paying. Is this a good idea?

Answer provided by
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Eric Schad
Answered on Apr 13, 2021
“If you stop paying your car insurance, your insurer will cancel your policy. At this point, you’ll be uninsured, meaning you’ll be breaking the law every time you get behind the wheel.
To make matters worse, your lack of car insurance—even if it’s just for a few days—means that you’ll be newly classified as high-risk. This means your insurance premiums will go up when you finally get insurance again.
So if you’re unhappy with your current policy, start shopping for cheap car insurance now. Keep paying your current car insurance until you’ve secured the new policy, then call your old insurance company to cancel so your coverage never lapses.
Some car insurance companies may even reimburse you for the prorated portion of the insurance policy—a win-win by all accounts.”
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