Is it illegal to have two auto insurance polices in Texas?

Answer 1

Multiple Auto Insurance Policies

No, It is not illegal to ave more than one active auto insurance policy. It is not uncommon to have overlapping or excess coverage. When this occurs there are rules that dictate which policy must be treated as primary and which is secondary.

It would only be illegal if you try to get paid twice for the same loss or accident. This would be known as double indemnity and is a felony insurance fraud.