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Lesson 3 of 19 · Chapter 1: Your License to Drive

Exams, insurance and vehicle inspection

You need 70 percent to pass the knowledge exam, and more than 30 points off on the driving exam is a fail. Every Texas driver needs minimum liability insurance and every registered vehicle needs a yearly inspection.

Topic
Laws and paperwork
Key points
10
Numbers
13
Manual
Handbook pp. 7 to 18
What you must know

Key points

  1. You must score 70 percent or better to pass any knowledge exam.

    Source: Handbook p. 7
    “You must score a grade of 70 percent or better to pass any knowledge exam.”
    Texas Driver Handbook, Handbook p. 7
  2. If you fail your first attempt, your application is held for 90 days. After 90 days or three failed exams you need a new application and fee.

    Source: Handbook p. 7
    “If you do not pass the knowledge and driving exams on your first attempt, your application will be held for 90 days. After 90 days or three failed exams, a new application and fee will be required.”
    Texas Driver Handbook, Handbook p. 7
  3. You fail the driving exam if you have more than 30 points deducted.

    Source: Handbook p. 8
    “Have more than 30 points deducted on the driving exam”
    Texas Driver Handbook, Handbook p. 8
  4. After passing, your temporary license is good for 45 days or until the permanent card arrives.

    Source: Handbook p. 7
    “you will be issued a temporary license, which you may use for 45 days or until you receive your permanent license in the mail.”
    Texas Driver Handbook, Handbook p. 7
  5. Report a change of address to DPS within 30 days.

    Source: Handbook p. 9
    “A change of address must be reported to DPS within 30 days.”
    Texas Driver Handbook, Handbook p. 9
  6. Liability insurance must be at least $30,000 for one person's injury or death, $60,000 for two or more, and $25,000 for property damage.

    Source: Handbook p. 18
    “As of January 1, 2011, the minimum amount of liability insurance is: • $30,000 against injury or death of one person • $60,000 against injury or death of two or more individuals • $25,000 against property damage”
    Texas Driver Handbook, Handbook p. 18
  7. A first conviction for driving without proof of insurance is a fine of $175 to $350.

    Source: Handbook p. 18
    “1st conviction A fine of $175 to $350.”
    Texas Driver Handbook, Handbook p. 18
  8. On a second conviction the vehicle can be impounded for 180 days.

    Source: Handbook p. 18
    “The vehicle shall be impounded for 180 days.”
    Texas Driver Handbook, Handbook p. 18
  9. All vehicles registered in Texas must be inspected every year at an official inspection station.

    Source: Handbook p. 15
    “All motor vehicles registered in Texas must be inspected each year at an official motor vehicle inspection station.”
    Texas Driver Handbook, Handbook p. 15
  10. Tires need at least 2/32 of an inch of tread depth.

    Source: Handbook p. 15
    “Tires All vehicles are required to have tires in proper and safe condition with a minimum depth of 2/32 of an inch.”
    Texas Driver Handbook, Handbook p. 15
Exact figures

Numbers to know

NumberWhat it meansManual
70 percentpassing score on any knowledge examHandbook p. 7
90 dayshow long a failed application is heldHandbook p. 7
3 failed examsafter this many failures a new application is requiredHandbook p. 7
30 pointsmore than this many deductions fails the driving examHandbook p. 8
45 dayshow long the temporary license is validHandbook p. 7
30 daysto report a change of addressHandbook p. 9
$30,000minimum coverage for one personHandbook p. 18
$60,000minimum coverage for two or more peopleHandbook p. 18
$25,000minimum property damage coverageHandbook p. 18
$175 to $350fine for a first no insurance convictionHandbook p. 18
180 daysimpound on a repeat no insurance convictionHandbook p. 18
2/32 inchminimum tire tread depthHandbook p. 15
200 feetminimum distance a horn must be heardHandbook p. 15
Check yourself

3 questions from the Texas practice test

  1. 1. On the Texas driving exam, what point deduction causes automatic failure?

    1. More than 10 points deducted
    2. Any point deducted
    3. More than 30 points deducted
    4. More than 50 points deducted
    Show answer

    More than 30 points deducted. The Texas driving exam grades four basic skills: control, observation, positioning, and signaling. You fail automatically if you violate a traffic law, refuse to follow the examiner's instructions, drive dangerously or have a crash, or have more than 30 points deducted on the exam. Ten points is well within passing, a single deduction does not fail you, and 50 points is beyond the limit. Practice the graded maneuvers until each is smooth.

  2. 2. What must a Texas driver provide when applying for an original driver license if the driver owns a vehicle requiring financial responsibility?

    1. A vehicle sales receipt from the dealer
    2. Evidence of financial responsibility
    3. A school attendance certificate
    4. A completed parking citation
    Show answer

    Evidence of financial responsibility. For an original Texas driver license, an applicant who owns a vehicle that requires financial responsibility must provide evidence of that responsibility. The handbook also allows a statement that the applicant does not own such a motor vehicle. A sales receipt does not prove current coverage, and school or parking documents address unrelated matters. Before an original application, distinguish proof of insurance or qualifying responsibility from ownership paperwork. The key condition is ownership of a vehicle subject to the financial-responsibility requirement.

  3. 3. What are Texas's minimum liability insurance amounts?

    1. $15,000 for one person, $30,000 for two or more, and $5,000 for property damage
    2. $25,000 for one person, $50,000 for two or more, and $10,000 for property damage
    3. $30,000 for one person, $60,000 for two or more, and $25,000 for property damage
    4. $50,000 for one person, $100,000 for two or more, and $50,000 for property damage
    Show answer

    $30,000 for one person, $60,000 for two or more, and $25,000 for property damage. Since January 1, 2011, Texas has required at least $30,000 for injury or death of one person, $60,000 for injury or death of two or more people, and $25,000 for property damage. The other sets of numbers are either lower than the Texas minimums or higher amounts that Texas does not require. Proof of this coverage must be shown when applying for a license, registering a vehicle, getting an inspection, and to an officer or another driver after a crash.

Next step

Practice this topic

Lock it in with laws and paperwork questions from the free Texas practice test. Every answer comes with a plain English explanation.

Source: the Texas Driver Handbook, Chapter 1: Your License to Drive. This lesson is a plain English summary, not the law itself; where it differs, the manual and the statute govern. Last checked 2026-09-27.