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Texas Department of Insurance
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General Expense Information: 110 Percent of Industry Median

Section 2251.002 (1) prohibits the use in rate calculations of certain administrative expenses that exceed 110 percent of the industry median. The following information is published for use by all companies writing any line of insurance subject to this Section. The information concerning 110 percent of the industry median should be reflected in any rate indications utilizing 2018, 2019, or 2020 expense data (see the Filings Made Easy Guide, Exhibit E, line 9i). The information in this report is updated annually.

110 Percent of Industry Median
Line 2018 2019 2020
Residential Fire 8.7 8.2 7.6
Commercial Fire 8.5 7.7 7.1
Residential Allied Lines 8.3 7.8 7.4
Commercial Allied Lines 8.1 7.8 6.8
Private Crop 1.2 0.1 1.0
Farmowners 9.4 10.9 7.9
Homeowners 6.5 6.5 6.6
Commercial Multiple Peril (non-liability portion) 7.6 8.0 7.5
Commercial Multiple Peril (liability portion) 7.7 7.5 8.2
Inland Marine 5.7 6.0 5.6
Medical Malpractice 4.8 6.2 6.2
Other General Liability 6.2 6.4 6.5
Products Liability 7.3 7.7 6.8
Private Passenger Automobile - Liability 5.9 6.6 6.6
Private Passenger Automobile - Physical Damage 6.0 6.5 6.0
Commercial Automobile - Liability 5.9 6.6 6.3
Commercial Automobile - Physical Damage 6.8 7.3 7.1
Fidelity 7.5 8.2 7.1
Surety 7.5 7.9 7.8

Note: Each line of insurance that a company writes in Texas is counted separately in determining the median.

For more information, contact: PropertyCasualty@tdi.texas.gov

Last updated: 4/28/2022