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Texas Department of Insurance
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March 2, 2023

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.

Personal auto

Average statewide personal auto rate changes since 2012: 2012 was 4.6%, 2013 was 4.2%, 2014 was 3.5%, 2015 was 6.1%, 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%,

graph showing average statewide rate changes for auto insurance

 

Homeowners

Average statewide personal auto rate changes since 2012: 2012 was 12.9%, 2013 was 6.6%, 2014 was 2.6%, 2015 was 3.7%, 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%,

graph showing average statewide rate changes for homeowners insurance