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Can I Drive a Car Without Insurance?

January 13 2021
front view of freeway with cars from the inside of a cars drivers seat

If you have ever found yourself between insurance plans for various reasons, there is one burning question on your mind — is it possible to drive without car insurance? The short answer is that it’s only possible to do so in two states — Virginia and New Hampshire, but with extensive fees and risks.

In every other state, including the Lone Star State, you need insurance coverage before you can even drive your vehicle off the lot. Bottom line: If you’re on a public road, you need insurance to drive legally in most of the United States.

Reasons to Not Have Auto Insurance

It can be difficult to find cheap car insurance if you have a poor driving record. The high costs can make it difficult to pay other bills, so these drivers decide to go without auto insurance. People can also be denied insurance if their driving record contains speeding tickets, accidents, or a DUI because the agency considers them “too risky.”

This matter of high cost or disqualification can leave many without auto insurance — leaving them open to the major risks of driving while uninsured. However, not having access to a vehicle can be detrimental in this country, especially if you live in an area that isn’t walkable. This is why we are determined to cover as many high-risk drivers as possible to get them behind the wheel again.

The Consequences for Driving Uninsured

Driving without car insurance isn’t just risky to you financially; it’s illegal. In Texas, you will get a $350 fine the first time an officer catches you driving without insurance. After that, they will charge you between $350 and $1,000 for additional offenses.

This can lead to a revoked license, impounded vehicle, and a long struggle to reobtain your driver’s license. Driving without insurance can lead to hefty costs if you get into an accident. Instead of being protected through liability insurance, you could be responsible for repairs and not have roadside or rental vehicle assistance.

Help Is on The Way

If you have had barriers to obtaining affordable insurance due to an imperfect driving record, we can help. At Baja Auto Insurance, our High-Risk Auto Insurance Division can help you find affordable Texas auto insurance no matter your history.

Even if you’ve had a few tickets, an accident, or a DUI, we will do our best to provide you insurance products that don’t cost a fortune. We specialize in helping high-risk drivers get insured and can do the same for you — even if other insurance companies have turned you down.

Get a Quote Today

You’re not alone — over one-third of drivers in the U.S. use non-standard auto insurance to get back on the road. We’re proud to serve our community and help drivers like you regain their independence. To request a quote, simply fill out the form on the top of the page or give us a call at (800) 401-6870.