What is the fine for driving without insurance in Texas?

What is the fine for driving without insurance in Texas?

According to the Texas Legislature, a first offense is a misdemeanor punishable by a fine.¹ The Texas Legislature also calls the offense a misdemeanor when the person has a previous conviction, and it sets a different fine range for that case.¹ The same statute lets a Texas court reduce the fine for a person with no previous conviction who is economically unable to pay.¹ Part of the first-offense rule reads, and the quoted text begins mid-sentence:

an offense under this section is a misdemeanor punishable by a fine of not less than $175 or more than $350.

What other penalties apply to uninsured driving in Texas?

Situation	Penalty under Texas law
Previous conviction under the same section	Misdemeanor; fine range $350 to $1,0001
Person required to maintain evidence of financial responsibility drives a vehicle they own without it	Misdemeanor punishable by a fine of up to $500, up to 6 months in county jail, or both2
Driving while license invalid, while also operating the vehicle in violation of the insurance requirement	Class B misdemeanor3

Can a Texas court lower the no-insurance fine?

Texas law says that if the court determines a person with no previous conviction is economically unable to pay the fine, the court may reduce the fine to below $175¹.

What the sources do not state

The sources used here do not list court costs or other charges, and they do not say how a court decides inability to pay.

Next step

The Texas Legislature publishes the penalty text in the Texas Transportation Code. The filing lookup tool is where to look up filing details for a situation.