Transportation Code · §601.191

No Financial Responsibility (No Insurance)

No Financial Responsibility (No Insurance) is covered under §601.191 and tested on the TCOLE peace officer licensing exam. Cadets typically encounter this topic under "License" on practice exams.

To prove this offense, the State must establish each of the following elements: Operates motor vehicle on public road; Without financial responsibility (insurance) in effect; Class C misdemeanor with statutory fine ranges.

Elements you must prove

  • Operates motor vehicle on public road
  • Without financial responsibility (insurance) in effect
  • Class C misdemeanor with statutory fine ranges

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Worked examples

Worked example 1

Operating a motor vehicle without financial responsibility (no insurance) under §601.191 is what level of offense?

  1. Class C misdemeanor (with enhanced fine on second conviction; license suspension after 2nd conviction within a year) Correct
  2. Class B misdemeanor
  3. Class A misdemeanor
  4. State jail felony
Why: Operating a vehicle without proof of financial responsibility (auto insurance) is a Class C misdemeanor; subsequent offenses carry higher fines and may trigger license suspension under the Driver Responsibility framework.
Statute: Tex. Transp. Code §601.191

Statutory definitions for this topic

Failure to maintain financial responsibility (no insurance) Tex. Transp. Code §601.191
Operating a motor vehicle on public roads without auto-liability insurance in effect. Class C misdemeanor; subsequent offenses carry higher fines and may trigger license suspension.