Yes, it is illegal to drive any vehicle in Houston without insurance in Houston, Texas. As a driver in Texas, you must show proof that you can cover the cost of the damage you may cause. Hence, you need auto liability insurance.
Your auto insurance should cover you, your family, and anyone that drives your car with your permission. However, you should read your policy or speak to your agent to know your auto insurance policy’s specifics.
Your existing insurance will automatically cover a newly purchased vehicle for about 20 days. The coverage the car gets will depend on if it is a replacement or an additional vehicle.
There are several reasons why drivers in Houston pay higher insurance rates than anywhere else in Texas. These include a high rate of road accidents, weather, and a large number of uninsured drivers. In 2019, there were 22,188 road accidents in Houston. Also, 14.2% of drivers in Houston are uninsured.
If you are involved in a car accident without auto insurance, you will be given a ticket by the police. You may also have to get an insured driver to remove your car from the scene or get it towed.