State Farm files auto rate at $166/mo in Texas, effective 2026-02-01 (2026)
State Farm filed a new Texas auto rate baseline at $166/mo, effective 2026-02-01. The filing makes State Farm competitive among the 2 carriers tracked here.
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What’s driving this
Texas is a file-and-use state with one of the most carrier-competitive auto markets in the country. The Texas Department of Insurance doesn’t pre-approve rate changes — carriers file and the rates are effective immediately unless TDI later orders a hearing.
All recent Texas auto carrier filings
| Carrier | Filed Rate | Effective | Source |
|---|---|---|---|
| Geico | $142/mo | 2026-01-15 | State DOI |
| State Farm | $166/mo | 2026-02-01 | State DOI |
Other recent filings + market moves
- State Farm filed a 7.2% TX auto rate increase effective February 2026 (SFG-TX-2025-AUTO-04).
- Allstate filed an 11.4% TX home rate increase effective December 2025 (ALL-TX-2025-HOME-02).
Methodology: /methodology/rate-authority/
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