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COMMISSIONER´S BULLETIN #B-0050-04

November 15, 2004

TO: ALL INSURERS WRITING AUTO AND HOMEOWNERS POLICIES IN TEXAS

RE: AUTO AND HOMEOWNERS INSURANCE RATE GUIDES

This bulletin announces an upcoming call for information for the 2005 Automobile and Homeowners Insurance Rate Guides published by the Texas Department of Insurance (TDI).

All companies in the top 80 percent of market share and currently writing automobile or homeowners insurance for new customers in Texas after December 1, 2004, will be required to respond to this request. For the automobile rate guide, rate estimates will be collected for liability-only coverage for seven hypothetical driver profiles. For the homeowners rate guide, rate estimates will be collected for the type of policy that a company is most likely to offer new customers for eight hypothetical homeowner profiles. You will be asked to provide rate estimates for 66 selected ZIP codes in Texas. The 66 selected ZIP codes have been grouped into nine regions.

This information is requested under authority of Section 38.001 of the Texas Insurance Code.

In early December, companies will be contacted by e-mail and provided with the web address and a password to access the online data collection form. In the meantime, the attached instructions and worksheets are being provided to help you compile the data required to respond to this request.

The deadline for submitting your rate estimates and other information via the online data collection form will be January 14, 2005.

If you have additional questions, please call Melissa Hield at 512-322-4349 or Richard Lee at 512-463-6534, or you may e-mail ConsumerProtection@tdi.state.tx.us.

Sincerely,

Jose Montemayor
Commissioner of Insurance




Texas Department of Insurance
2005 Auto and Homeowners Insurance Rate Guides

AUTO RATE GUIDE

INSTRUCTIONS FOR CALCULATING AND ENTERING RATES

Enter premium rate estimates in the online data collection form on TDI´s website for seven hypothetical driver profiles in 66 "representative" Texas ZIP codes. Please use the following guidelines when calculating your rate information and submitting your data:

  • Use an identical set of rating criteria (credit score and any other criteria your company uses) for each ZIP code.
  • Calculate the annual premium that will be in effect on December 1, 2004, for personal liability insurance only (BI + PD) for each driver profile in each of the ZIP codes listed.
  • Calculate premiums based on the policy type used by the company that meets the state´s minimum 20/40/15 liability coverage requirements and that the company is most likely to offer new customers.
  • Assume the driver drives to work, except where stated.
  • Add any monthly installment fees normally charged to the premium.
  • Provide the base rate only - do not include any discounts.
  • Multiply the monthly or semiannual premium amount by the appropriate number to calculate a 12-month premium.
  • Check "NA" on the data entry form if the company does not offer coverage to new customers in a particular driver profile or ZIP code.

Driver Profiles:

  • Driver 1: Single male age 18 with no tickets or accidents
  • Driver 2: Married male age 18 with no tickets or accidents
  • Driver 3: Male or female, age 25, single or married, with no tickets or accidents
  • Driver 4: Male or female, age 35, single or married, with no tickets or accidents
  • Driver 5: Male or female, age 55, single or married, with no tickets or accidents
  • Driver 6: Male or female over age 64 with no tickets or accidents who drives for pleasure and errands only
  • Driver 7: Male or female over age 64 with no tickets or accidents

2005 Auto Insurance Rate Guide

ZIP Codes List

ZIP REGION COUNTY PLACE (County if rural)
78737 Central Texas Hays/Travis Bear Creek
78723 Central Texas Travis Austin
76541 Central Texas Bell Killeen
76705 Central Texas McLennan Bellmead/Hallsburg
76527 Central Texas Williamson/Bell/Burnet Williamson/Bell/Burnet Counties
78660 Central Texas Travis Pflugerville
78613 Central Texas Williamson Cedar Park
76624 Central Texas McLennan/Limestone McLennan/Limestone Counties
78575 Coastal Texas Cameron Rancho Viejo
78405 Coastal Texas Nueces Corpus Christi
78343 Coastal Texas Nueces Bishop
77627 Coastal Texas Jefferson/Orange Nederland
78336 Coastal Texas San Patricio/Aransas Aransas Pass
78592 Coastal Texas Cameron Cameron County
75040 North Texas Dallas Garland
75270 North Texas Dallas Dallas County
75602 North Texas Harrison/Gregg Longview
75052 North Texas Dallas/Tarrant Grand Prairie
75848 North Texas Freestone Freestone County
76036 North Texas Tarrant/Johnson Crowley
75074 North Texas Collin Plano
75159 North Texas Dallas/Kaufman Seagoville/Combine
76226 North Texas Denton Denton County
79401 Panhandle/Plains Lubbock Lubbock
79104 Panhandle/Plains Potter Amarillo
79323 Panhandle/Plains Yoakum/Gaines Denver City
79366 Panhandle/Plains Lubbock Lubbock County
79072 Panhandle/Plains Hale Plainview
79010 Panhandle/Plains Oldham/Potter Oldham/Potter Counties
79764 Permian Basin/Concho Valley Ector Odessa
79703 Permian Basin/Concho Valley Midland Midland
76904 Permian Basin/Concho Valley Tom Green Tankersley
79731 Permian Basin/Concho Valley Crane Crane
79359 Permian Basin/Concho Valley Gaines/Terry/Yoakum Gaines County
79720 Permian Basin/Concho Valley Howard/Glasscock Big Spring
79758 Permian Basin/Concho Valley Ector Ector County
76903 Permian Basin/Concho Valley Tom Green San Angelo
78255 South Texas/Rio Grande Valley Bexar Bexar County
78207 South Texas/Rio Grande Valley Bexar San Antonio
78263 South Texas/Rio Grande Valley Bexar China Grove
78582 South Texas/Rio Grande Valley Starr Rio Grande City
77962 South Texas/Rio Grande Valley Jackson Jackson County
78148 South Texas/Rio Grande Valley Bexar Universal City
78109 South Texas/Rio Grande Valley Bexar Converse
78019 South Texas/Rio Grande Valley Webb Webb County
77007 Southeast Texas Harris Houston
77073 Southeast Texas Harris Westfield
77507 Southeast Texas Harris Harris County
77536 Southeast Texas Harris Deer Park
77094 Southeast Texas Harris Suburban Houston
77630 Southeast Texas Orange Orange
77064 Southeast Texas Harris North Houston
77336 Southeast Texas Harris Huffman
75937 Southeast Texas Nacogdoches Nacogdoches County
79602 Texas Big Country Taylor/Callahan Abilene
76801 Texas Big Country Brown Brownwood
76351 Texas Big Country Archer Archer County
76311 Texas Big Country Wichita Wichita Falls
76367 Texas Big Country Wichita Iowa Park
79530 Texas Big Country Taylor Taylor County
79912 West Texas El Paso El Paso
79934 West Texas El Paso Vinton
79908 West Texas El Paso El Paso County
79849 West Texas El Paso San Elizario
79821 West Texas El Paso Anthony
79831 West Texas Brewster Brewster County


Texas Department of Insurance
2005 Auto and Homeowners Insurance Rate Guides

HOMEOWNERS RATE GUIDE

INSTRUCTIONS FOR CALCULATING AND ENTERING RATES

Enter premium rate estimates in the online data collection form on TDI´s website for eight hypothetical homeowner profiles in 66 "representative" Texas ZIP codes. Please use the following guidelines when calculating your rate information and submitting your data:

  • Use an identical set of rating criteria (credit score and any other criteria the company uses) for each ZIP code.
  • For each ZIP code, use the PPC code shown on the list provided by TDI.
  • Enter the annual premium that will be in effect on December 1, 2004, in each of the ZIP codes listed.
  • Calculate premiums based on the policy type used by the company that you are most likely to offer new customers. Enter the policy type in the field provided.
  • Calculate premiums based on a policy with $100,000 coverage on the house, $40,000 on its contents, and a 1 percent ($1,000) deductible.
  • Add any monthly fees you normally charge to the premium.
  • Only include discounts pertaining to the age of the house.
  • Multiply the monthly or semiannual premium amount by the appropriate number to calculate a 12-month premium.
  • Check "NA" on the data entry form if the company does not offer coverage to new customers in a particular homeowner profile or ZIP code.

Homeowner profiles:

  • Homeowner 1: Owns a new brick veneer home
  • Homeowner 2: Owns a new frame home
  • Homeowner 3: Owns a 6-year-old brick veneer home
  • Homeowner 4: Owns a 6-year-old frame home
  • Homeowner 5: Owns a 15-year-old brick veneer home
  • Homeowner 6: Owns a 15-year-old frame home
  • Homeowner 7: Owns a 25-year-old brick veneer home
  • Homeowner 8: Owns a 25-year-old frame home

2005 Homeowners Insurance Rate Guide

ZIP and PPC Codes List

ZIP REGION PPC CODE COUNTY PLACE (County if rural)
78737 Central Texas 2 Hays/Travis Bear Creek
78723 Central Texas 2 Travis Austin
76541 Central Texas 4 Bell Killeen
76705 Central Texas 6 McLennan Bellmead/Hallsburg
76527 Central Texas 7 Williamson/Bell/Burnet Williamson/Bell/Burnet Counties
78660 Central Texas 9 Travis Pflugerville
78613 Central Texas 9 Williamson Cedar Park
76624 Central Texas 10 McLennan/Limestone McLennan/Limestone Counties
78575 Coastal Texas 4 Cameron Rancho Viejo
78405 Coastal Texas 4 Nueces Corpus Christi
78343 Coastal Texas 6 Nueces Bishop
77627 Coastal Texas 9 Jefferson/Orange Nederland
78336 Coastal Texas 9 San Patricio/Aransas Aransas Pass
78592 Coastal Texas 10 Cameron Cameron County
75040 North Texas 2 Dallas Garland
75270 North Texas 2 Dallas Dallas County
75602 North Texas 2 Harrison/Gregg Longview
75052 North Texas 4 Dallas/Tarrant Grand Prairie
75848 North Texas 5 Freestone Freestone County
76036 North Texas 5 Tarrant/Johnson Crowley
75074 North Texas 9 Collin Plano
75159 North Texas 9 Dallas/Kaufman Seagoville/Combine
76226 North Texas 9 Denton Denton County
79401 Panhandle/Plains 3 Lubbock Lubbock
79104 Panhandle/Plains 3 Potter Amarillo
79323 Panhandle/Plains 6 Yoakum/Gaines Denver City
79366 Panhandle/Plains 7 Lubbock Lubbock County
79072 Panhandle/Plains 9 Hale Plainview
79010 Panhandle/Plains 10 Oldham/Potter Oldham/Potter Counties
79764 Permian Basin/Concho Valley 2 Ector Odessa
79703 Permian Basin/Concho Valley 3 Midland Midland
76904 Permian Basin/Concho Valley 4 Tom Green Tankersley
79731 Permian Basin/Concho Valley 6 Crane Crane
79359 Permian Basin/Concho Valley 7 Gaines/Terry/Yoakum Gaines County
79720 Permian Basin/Concho Valley 9 Howard/Glasscock Big Spring
79758 Permian Basin/Concho Valley 10 Ector Ector County
76903 Permian Basin/Concho Valley 10 Tom Green San Angelo
78255 South Texas/Rio Grande Valley 3 Bexar Bexar County
78207 South Texas/Rio Grande Valley 3 Bexar San Antonio
78263 South Texas/Rio Grande Valley 3 Bexar China Grove
78582 South Texas/Rio Grande Valley 6 Starr Rio Grande City
77962 South Texas/Rio Grande Valley 7 Jackson Jackson County
78148 South Texas/Rio Grande Valley 9 Bexar Universal City
78109 South Texas/Rio Grande Valley 9 Bexar Converse
78019 South Texas/Rio Grande Valley 10 Webb Webb County
77007 Southeast Texas 1 Harris Houston
77073 Southeast Texas 1 Harris Westfield
77507 Southeast Texas 3 Harris Harris County
77536 Southeast Texas 4 Harris Deer Park
77094 Southeast Texas 4 Harris Suburban Houston
77630 Southeast Texas 6 Orange Orange
77064 Southeast Texas 9 Harris North Houston
77336 Southeast Texas 9 Harris Huffman
75937 Southeast Texas 10 Nacogdoches Nacogdoches County
79602 Texas Big Country 3 Taylor/Callahan Abilene
76801 Texas Big Country 6 Brown Brownwood
76351 Texas Big Country 7 Archer Archer County
76311 Texas Big Country 9 Wichita Wichita Falls
76367 Texas Big Country 9 Wichita Iowa Park
79530 Texas Big Country 10 Taylor Taylor County
79912 West Texas 1 El Paso El Paso
79934 West Texas 1 El Paso Vinton
79908 West Texas 5 El Paso El Paso County
79849 West Texas 9 El Paso San Elizario
79821 West Texas 9 El Paso Anthony
79831 West Texas 10 Brewster Brewster County


DISCOUNTS OFFERED

You will be asked to indicate the discounts your company offers to your auto and homeowners policyholders. Following are the discounts which will be listed in the online data collection form.

AUTO INSURANCE DISCOUNTS

Worksheet
Company Name Airbags Anti-lock brakes Daytime lights Driver´s ed Claims Driving record Low mileage Multiple policies Young driver Good grades Multiple vehicles
                       
                       
                       
                       

HOMEOWNERS INSURANCE DISCOUNTS

Worksheet
Company Name Automatic sprinklers Alarm Systems Fire extinguishers Claims Full replacement Impact resistant root Noncombustible roof Property marked Good condition Multiple policies Senior
                       
                       
                       
                       


Texas Department of Insurance
2005 Auto and Homeowners Insurance Rate Guides

AUTO RATE GUIDE WORKSHEET

Central Texas

ZIP CODE DRIVER 1 DRIVER 2 DRIVER 3 DRIVER 4 DRIVER 5 DRIVER 6 DRIVER 7
78737              
78723              
76541              
76705              
76527              
78660              
78613              
76624              

Coastal Texas

ZIP CODE DRIVER 1 DRIVER 2 DRIVER 3 DRIVER 4 DRIVER 5 DRIVER 6 DRIVER 7
78575              
78405              
78343              
77627              
78336              
78592              

North Texas

ZIP CODE DRIVER 1 DRIVER 2 DRIVER 3 DRIVER 4 DRIVER 5 DRIVER 6 DRIVER 7
75040              
75270              
75602              
75052              
75848              
76036              
75074              
75159              
76226              

Panhandle/Plains

ZIP CODE DRIVER 1 DRIVER 2 DRIVER 3 DRIVER 4 DRIVER 5 DRIVER 6 DRIVER 7
79401              
79104              
79323              
79366              
79072              
79010              

Permian Basin/Concho Valley

ZIP CODE DRIVER 1 DRIVER 2 DRIVER 3 DRIVER 4 DRIVER 5 DRIVER 6 DRIVER 7
79764              
79703              
76904              
79731              
79359              
79720              
79758              
76903              

South Texas/Rio Grande Valley

ZIP CODE DRIVER 1 DRIVER 2 DRIVER 3 DRIVER 4 DRIVER 5 DRIVER 6 DRIVER 7
78255              
78207              
78263              
78582              
77962              
78148              
78109              
78019              

Southeast Texas

ZIP CODE DRIVER 1 DRIVER 2 DRIVER 3 DRIVER 4 DRIVER 5 DRIVER 6 DRIVER 7
77007              
77073              
77507              
77536              
77094              
77630              
77064              
77336              
75937              

Texas Big Country

ZIP CODE DRIVER 1 DRIVER 2 DRIVER 3 DRIVER 4 DRIVER 5 DRIVER 6 DRIVER 7
79602              
76801              
76351              
76311              
76367              
79530              

West Texas

ZIP CODE DRIVER 1 DRIVER 2 DRIVER 3 DRIVER 4 DRIVER 5 DRIVER 6 DRIVER 7
79912              
79934              
79908              
79849              
79821              
79831              


Texas Department of Insurance
2005 Auto and Homeowners Insurance Rate Guides

HOMEOWNERS RATE GUIDE WORKSHEET

Central Texas

ZIP PPC CODE Home owner 1 Home owner 2 Home owner 3 Home owner 4 Home owner 5 Home owner 6 Home owner 7 Home owner 8
78737                  
78723                  
76541                  
76705                  
76527                  
78660                  
78613                  
76624                  

Coastal Texas

ZIP PPC CODE Home owner 1 Home owner 2 Home owner 3 Home owner 4 Home owner 5 Home owner 6 Home owner 7 Home owner 8
78575                  
78405                  
78343                  
77627                  
78336                  
78592                  

North Texas

ZIP PPC CODE Home owner 1 Home owner 2 Home owner 3 Home owner 4 Home owner 5 Home owner 6 Home owner 7 Home owner 8
75040                  
75270                  
75602                  
75052                  
75848                  
76036                  
75074                  
75159                  
76226                  

Panhandle/Plains

ZIP PPC CODE Home owner 1 Home owner 2 Home owner 3 Home owner 4 Home owner 5 Home owner 6 Home owner 7 Home owner 8
79401                  
79104                  
79323                  
79366                  
79072                  
79010                  

Permian Basin/Concho Valley

ZIP PPC CODE Home owner 1 Home owner 2 Home owner 3 Home owner 4 Home owner 5 Home owner 6 Home owner 7 Home owner 8
79764                  
79703                  
76904                  
79731                  
79359                  
79720                  
79758                  
76903                  

South Texas/Rio Grande Valley

ZIP PPC CODE Home owner 1 Home owner 2 Home owner 3 Home owner 4 Home owner 5 Home owner 6 Home owner 7 Home owner 8
78255                  
78207                  
78263                  
78582                  
77962                  
78148                  
78109                  
78019                  

Southeast Texas

ZIP PPC CODE Home owner 1 Home owner 2 Home owner 3 Home owner 4 Home owner 5 Home owner 6 Home owner 7 Home owner 8
77007                  
77073                  
77507                  
77536                  
77094                  
77630                  
77064                  
77336                  
75937                  

Texas Big Country

ZIP PPC CODE Home owner 1 Home owner 2 Home owner 3 Home owner 4 Home owner 5 Home owner 6 Home owner 7 Home owner 8
79602                  
76801                  
76351                  
76311                  
76367                  
79530                  

West Texas

ZIP PPC CODE Home owner 1 Home owner 2 Home owner 3 Home owner 4 Home owner 5 Home owner 6 Home owner 7 Home owner 8
79912                  
79934                  
79908                  
79849                  
79821                  
79831                  



Archived File - for Reference Use

This file is historical in nature. Links and contact information may be outdated and no longer valid.


Contact Information and Other Helpful Links

Translation by WorldLingo


Translation by WorldLingo