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Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

There is a law in Texas against leaving your keys in the ignition of your vehicle and thus you could be penalized for doing so.

The Texas Department of Motor Vehicles (DMV) notes on its site that not only is it illegal to leave your keys in your unattended vehicle, but if your vehicle is stolen with the keys in it, your insurance company may not cover your loss.

The law they are citing is under Section 545.404 of the Texas Transportation Code, “Unattended Motor Vehicle.” It states that a driver may not leave the vehicle unattended without:

1) Stopping the engine

(2) Locking the ignition

(3) Removing the key from the ignition

(4) Setting the parking brake effectively

(5) If standing on a grade, turn the front wheels to the curb or side of the highway.

Fines for leaving your car running

The Dallas Police Department notes that unattended vehicles with keys in the ignition can be cited with a fine typically under $200.

While Texas Transportation Code Section 545.404 prohibits drivers from leaving their car unattended without stopping the engine, locking the ignition, and removing the key from the ignition, the Texas court has held that this law only applies to vehicles parked on public highways and streets. The cities of Dallas, Austin and Arlington have also interpreted Texas Transportation Code Section 545.404 similarly.

Many cities have amended their city code with an ordinance making it unlawful to park your vehicle and leave it unattended on any private street or any off-street public or private property.

Leaving your keys in your ignition, especially if you do so while leaving the car running, makes your car an easy target for thieves. Depending upon the terms of your auto insurance policy, your insurer may be able to deny claims if you are negligent and leave the keys in your vehicle so that it can be stolen. Take precautions and follow state laws to ensure your vehicle is not vulnerable to thieves.

— Michelle Megna contributed to this story.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.