I have to say that if Texas were to raise it's fine I'd use my cruise control more. Right now the fine in Texas is about $250.00/year for 3 years if you don't have liability insurance. There isn't a point system - unless they snuck it in and I didn't see it. It's a pain in the ass - but I haven't let my insurance lapse since I got that ticket 4 years ago - I can tell you that much for sure.