Texas Says Car Insurance Is Getting Cheaper. More Insurers Filed Raises Than Cuts.

If you drive in Texas, the state just told you car insurance is getting cheaper. Before you count on it, check one name on your policy.

On October 8 the Texas Department of Insurance announced that auto rate decreases filed since July 1 reach 4.4 million policyholders. Governor Abbott called it “lower rates for many Texas homeowners and drivers.”

Many. Not most, and not you by default.

What the filing list actually shows

TDI publishes every home and auto rate filing as open data. We pulled the personal auto filings received from July 1 through October 8: 129 of them.

Most changed nothing on price. Eighty-four showed 0%, which TDI says usually means a rules change or an overall effect of zero. Of the 43 filings that moved the overall rate, 25 went up and 18 went down.

Translation: more insurers asked to raise Texas car insurance this summer than to cut it.

Both numbers are true at once. TDI’s 4.4 million counts drivers, so one big company trimming a little reaches a lot of people. Our count tallies filings. State Farm’s two Texas auto companies filed a 0.5% cut that hits renewals from November 25. Allstate County Mutual filed a 5.5% increase and Allstate North American filed 6.9%, both for renewals from October 15. TDI has closed its review of both.

At the far ends, Loya Insurance Company filed a 10.3% cut. Young America Insurance Company filed 19.8% up, GoAuto 19.5% and Qualitas 17.9%. Those three are still pending.

What it means on your bill

On a $2,000 policy, a 6.9% raise is $138 a year. A 0.5% cut is $10.

That’s a $148 swing between two press-release-worthy facts. Which one you get depends entirely on whose name is on your declarations page, the summary sheet at the front of your policy.

And a cut doesn’t show up right away. Auto Club County Mutual’s 3% decrease, one of the two TDI highlighted, doesn’t touch renewals until February 1, 2027.

Do this before your renewal

Pull up your declarations page or billing statement and find the exact insurance company name. TDI says it plainly: “The insurance company name is not the same as the agency name that sold you the policy.” Big groups write Texas auto through several companies, and the filings are per company.

Search that name on TDI’s rate filing page. Read two columns: the percent change and the renewal effective date.

If your company filed an increase, shop it now, about a month before renewal. TDI’s own HelpInsure.com compares policies sold in your area. Run your coverage through our insurance estimator, then check the Texas auto insurance page and our best auto insurance picks.

If your company filed a cut and your renewal still went up, call and ask which of your own rating factors moved. The filing’s percent is an average, and TDI says yours can be higher or lower.

Cheaper on average is a statistic. Cheaper for you is a phone call.

The detail

Filing counts come from TDI’s “Home and auto rate filings” data set on data.texas.gov, filtered to Personal Automobile, subtype Personal Auto, received July 1 to October 8, 2026. Two filings had no percent listed. The data set doesn’t carry policyholder counts, so it can’t tell you how many drivers each raise reaches. Pending filings are still under TDI review. The full filing documents are on SERFF under each filing’s SERFF ID.

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