Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Texas Car Insurance Facts, Estimates & Related Laws
Texas Car Insurance Facts
Average Car Insurance Rates in TX
Texas had the 14th highest auto insurance rates in the nation in 2010. 
Rates in TX ranked 14th in the nation in 2009. 
In 2008, TX had the 15th highest rates in the country. 
Number of Auto Insurance Policies in TX
Texas ranked 2nd in the nation in auto insurance policies in 2011 with a total of 16,714,340. 
Uninsured Motorist Rate in TX
The uninsured motorist rate in TX ranked 19th in the nation in 2009. 
Texas Distracted Driving Laws
Hand-held phone ban? Yes
hand-held phone ban in place for drivers in school crossing zones and on public school property during the time the reduced speed limit applies. 
Texting-while-driving ban? Yes
Texting-while-driving ban in place for bus drivers with minor passengers, drivers younger than 18, and drivers in school crossing zones and on public school property during the time the reduced speed limit applies. 
With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Texas Automotive Laws
Safety Belt Laws in TX
Safety belt laws have been in place since 1985 and apply to drivers/passengers 7 years and younger who are 57 inches or taller; 8+ years in all seats. 
Child restraint law in place for 7 years and younger and less than 57 inches. 
Motorcycle Helmet Laws in TX
Motorcycle helmets required for 20 and younger. 
Texas exempts riders 21 or older if they can either show proof of successfully completing a motorcycle operator training and safety course or can show proof of having a medical insurance policy.