If your vehicle is registered in Texas and able to be driven on public roads, you must carry at least minimum liability insurance — even if you are not currently driving it. The only way to legally drop coverage is to surrender the plates.
Options for non-driven vehicles
- Storage policy — keeps comprehensive only, drops liability and collision (50–70% cheaper)
- Non-owner SR-22 — covers you when driving others' cars
- Surrender plates to the County Tax Office to fully drop coverage
- Keep liability if the car is on a public street or driveway
Frequently asked questions
Can I drop insurance on a car I never drive?
Only if you surrender the plates — otherwise minimum liability is required.
What is storage insurance?
A reduced policy carrying only comprehensive coverage for parked vehicles.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.