Texas home and auto insurance rates decline, state agency reports
Insurance companies that filed rate changes with the Texas Department of Insurance since July 1, 2026 proposed decreases for both homeowners and auto insurance, affecting millions of Texas policyholders. Homeowners rates averaged a 4.3% decrease; auto insurance rates declined for 4.4 million drivers.
- Where
- Statewide
- When
- October 2026
- Sources
- Reported by 2 outlets
Taxes and money
The sources don't state an effect on taxes. They do state these figures.
- Homeowners insurance rate decrease4.3%1 2 3 Who pays or receives it: homeowners insurers
- Homeowners insurance rate decrease6%1 2 3 Who pays or receives it: ASI Lloyds
- Homeowners insurance rate decrease5.2%1 2 3 Who pays or receives it: Texas Farm Bureau Mutual Insurance Company
- Auto insurance rate decrease3%1 2 3 Who pays or receives it: Auto Club County Mutual Insurance Company
- Auto insurance rate decrease10.3%1 2 3 Who pays or receives it: Loya Insurance Company
Who's involved
- Texas Department of Insurancestate agency reporting rate filing data
- Amanda CrawfordInsurance Commissioner
- Greg AbbottGovernor
- ASI Lloydsinsurance company filing rate decrease
- Texas Farm Bureau Mutual Insurance Companyinsurance company filing rate decrease
- Auto Club County Mutual Insurance Companyinsurance company filing rate decrease
- Loya Insurance Companyinsurance company filing rate decrease
The facts
- Homeowners insurance companies filed rate changes averaging 4.3% decrease since July 1, 2026.1 2 3 Stated by 3 sources
- Rate decreases affected approximately 700,000 Texas homeowners policyholders.1
- Auto insurance companies filed rate decreases impacting 4.4 million policyholders since July 1, 2026.1 2 3 Stated by 3 sources
- ASI Lloyds filed 6% homeowners rate decrease impacting 71,000 policyholders.1
- Texas Farm Bureau Mutual filed 5.2% homeowners rate decrease impacting 133,000 policyholders.1
- Auto Club County Mutual filed 3% rate decrease impacting 235,000 policyholders.1
- Loya Insurance Company filed 10.3% rate decrease impacting 39,000 policyholders.1
- Nearly 160 companies sell auto and homeowners insurance in Texas.1 2 3 Stated by 3 sources
Who said what
These are statements and claims made by the people involved. They are reported, not verified.
- Governor Greg Abbott High insurance costs hit Texas families hard; lower filings show relief reaching market.1
- Governor Greg Abbott Texas will work with Legislature to further curb premium increases.1
- Insurance Commissioner Amanda Crawford Lower rate filings are an encouraging sign for Texas consumers.1 2 3
How they headlined it
The same event, as each outlet put it. Marked words appear in only one outlet's headline.
Texas Reports Downward Trend in Home, Auto Insurance Rates
Texas home, auto insurance rates trending down, state officials say
Sources
Outlets: 4 not rated Who's covering Texas →
These outlets were found through Google News headlines. Google decides which outlets appear there, and they lean mostly one way, so this sheet can only be as balanced as the reporting it was built from. Leanings are AllSides Media Bias Ratings.
- Texas Reports Downward Trend in Home, Auto Insurance Rates
- Texas home, auto insurance rates trending down, state officials say
- Texas home, auto insurance rates trending down, state officials say
- Texas home, auto insurance rates trending down, state officials say
This sheet was written by AI from the sources above and adds nothing they don't state. Read the originals for full context.