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Texas Department of Insurance
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June 2024

You affect your home and auto insurance costs


Each insurance company uses many factors to calculate what they charge a customer.

Some factors are about you, your home, or your car.

For home insurance, common factors include:

  • Your home’s age.
  • How old your roof is and what it’s made of.
  • Where you live.
  • The cost to replace your house.
  • Your claim history.
  • Your credit score.

For auto insurance, common factors include:

  • Your driving record and claims history.
  • Where you live and how much you drive.
  • Your age, gender, and marital status.
  • Your occupation.
  • The cost to replace the car you drive.
  • Your credit score.

A change in any factor can raise or lower your premium. This includes characteristics that change over time, such as the value of your home or auto.

The Texas Department of Insurance (TDI) doesn’t have information about your policy or what factors caused your premium to change. Your company should be able to tell you why it raised your premium.

Have a question about insurance? Call TDI at 800-252-3439 or visit