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January 22, 2026

Auto and home insurance rate changes

Your premiums for auto and home insurance are likely different every year. This shows how much insurance companies have changed their rates on average across the state.

Private passenger auto average rate change

Average statewide personal auto rate changes since 2016: 2016 was 9.0%, 2017 was 9.0%, 2018 was 1.8%, 2019 was -1.3%, 2020 was -1.9%, 2021 was 2.9%, 2022 was 23.8%, 2023 was -25.5%, 2024 was 4.8%, 2025 was 0.9%

graph showing average statewide rate changes for auto insurance
Source: TDI rate filing data

Homeowners average rate change

Average statewide homeowners rate changes since 2016: 2016 was 2.6%, 2017 was 4.8%, 2018 was 5.9%, 2019 was 4.2%, 2020 was 3.8%, 2021 was 5.9%, 2022 was 10.8%, 2023 was 21.1%, 2024 was 18.7%, 2025 was 4.3%

graph showing average statewide rate changes for homeowners insurance
Source: TDI rate filing data

Note: includes rate changes for owner-occupied homeowners, tenants, condos, and mobile homeowners policies.

What’s the difference between a premium and a rate?

Premium – The amount you pay to an insurance company for an insurance policy.

Rate – The cost of insurance per exposure unit ($1,000 of home coverage or one year of auto coverage).

Example – A gallon of gas costs $3.50. I pay $49 to fill up my car’s 14-gallon gas tank. The premium is $49. It’s the rate ($3.50) times the unit (14 gallons).

Learn more

How are your auto and homeowners insurance costs calculated?

Texas Insurance Blog

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