My state (Texas) has a law that if I fail to show proof of vehicle insurance I will be cited and can lose my drivers license; so, if my state is telling me I have to have vehicle insurance (state law) why can I not deduct the premiums (or part) from my federal income tax. Yes, I know that it's part of owning a car, (insurance) etc., But, lets say if I own a business or a house I am not required to have insurance (only if I have a mortgage) so if something unfortunate happens to my uninsured house or business I lose out (I know I can claim it in my income tax--the loss) and cry. The police is not going to cite me for not having insurance on my place. Whereas, if I am out driving or involved in an accident I will be getting a citation for not having vehicle insurance as required by state law.Even getting my driver's license suspended for not having insurance/violating a state law. Is there a state law that says I have to have insurance on my house or business? Yes, I do have insurance and I just got my renewal and it is awful/premiums--3 drivers/vehicles & no violations; Yes, I have shopped around and it is not any better (not even w/the lizared).