Evidence of insurance — Texas Permit Test
Evidence of insurance on the Texas permit test — 4 rules, each with the reason behind it and a question on it while it is fresh.
The rules
An image displayed on a wireless communication device is accepted as evidence of financial responsibility if it shows what a standard insurance form shows.
Nobody carries paper any more and Texas stopped pretending otherwise. The picture on the phone counts.
image displayed on a wireless communication device that includes the information required in a standard insurance form
A certificate from the state comptroller showing money or securities on deposit of at least $55,000 is accepted as evidence of financial responsibility.
Insurance is the usual route and not the only one. Money on deposit does the same job of proving you can pay.
A certificate issued by the state comptroller showing the owner of the vehicle has on deposit with the comptroller, money or securities for at least $55,000
A certificate of self-insurance shows that a person has more than 25 vehicles registered in their name.
A company with a fleet carries its own risk. Texas sets the fleet size at which that becomes an option.
A certificate or copy of a certificate of self-insurance, issued by DPS, which shows the person has more than 25 vehicles registered in his/her name
A standard proof of liability insurance form must name the insurer, the policy number, and the policy period.
A card with no dates on it proves nothing about today. The period is what makes it evidence.
that includes the: a. Name of the insurer, insurance policy number, and policy period
On the test
Is an insurance card shown on a phone accepted in Texas?
Yes, if it shows what a standard form shows. Nobody carries paper any more and Texas stopped pretending otherwise. The picture on the phone counts. Texas Driver Handbook, p.18: “image displayed on a wireless communication device that includes the information required in a standard insurance form”
How this works
Most practice tests hand you a bank of questions and leave the manual somewhere else. This one puts them together.
You read one law and the reason behind it, then answer a question on that law while it is still fresh. Get it right and you move on; get it wrong and you have found the gap while it is cheap to fix, not on the morning of the exam.
Learning one rule at a time, and proving it immediately, is what turns a manual you skimmed into something you actually know — and it makes studying feel like getting somewhere rather than like waiting to find out.
What it costs
- One payment, once — not a subscription. Nothing renews and there is nothing to cancel, for an exam you sit one time.
- Free to start: a 10-question test and the first section of cards. No sign-up and no account.
- Paying opens the rest of the cards, unlimited full-length practice tests, and retests built from exactly the questions you got wrong.
- Every level up to Prepared — 3 tests passed in a row.
- Do the work, fail the real exam, and we refund you.
Where these come from
Every rule here is checked against Texas Driver Handbook, published by the Texas Department of Public Safety, and against the state code itself. Last checked 2026-09-16.
- src/assets/drivers-manuals/TX.pdf (Texas Driver Handbook, form DL-7, Revised January 2026, Texas Department of Public Safety, retrieved 2026-09-14 from dps.texas.gov)
- src/assets/drivers-manuals/TX.pages.txt (plain pdftotext over that PDF; sha256 pinned in SOURCES.json)
- src/assets/drivers-manuals/SOURCES.json (sha256, folio offset 6, nonLawPages, the four extraction traps and the extraction flag, each with its measured basis)
- docs/plans/texas-exam-shape.md (the search that established that no official source states the question count, and the two decoys it disposes of)