Driver's License Test Prep
Texas Practice Insurance & Financial Responsibility

What fine does Texas set for a first conviction of driving without evidence of financial responsibility?

  1. A.
    $500 to $1,500
  2. B.
    $75 to $200
  3. C.
    $350 to $1,000
  4. D.
    $175 to $350 Correct
The Why

The answer is "$175 to $350"

The Texas manual's penalty table for driving without evidence of financial responsibility sets the first-conviction fine at $175 to $350. Option C is the trap because $350 to $1,000 is the fine range printed on the very next line of that same table for a second or subsequent conviction, and a driver skimming the table lifts the wrong row.

Why the others miss

The traps in the wrong answers

A. $500 to $1,500

No such range appears in the Texas penalty schedule for this offense. This answer rounds up to a heavier-sounding penalty on the guess that a first offense must cost more than it does.

B. $75 to $200

This is below the Texas first-conviction range in Table 13; the manual starts the fine at $175. This answer anchors on the range typical of routine moving-violation tickets rather than the higher floor Texas sets specifically for driving without evidence of financial responsibility.

C. $350 to $1,000

This range applies to a second or subsequent conviction, not the first. This answer reads the very next row of the same penalty table and lifts the second-conviction fine into the first-conviction slot.

The Rule

This question tests your knowledge of Insurance & Financial Responsibility in Texas. Source: Texas Driver Manual, "Chapter 3: Safety Responsibility, Table 13: Penalties for Driving Without Evidence of Financial Responsibility," p.18..

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