Allstate files home rate at $204/mo in Texas, effective 2025-12-01 (2026)
Allstate filed a new Texas home rate baseline at $204/mo, effective 2025-12-01. The filing makes Allstate one of the cheapest among the 1 carriers tracked here.
Compare Texas home quotes in 60 seconds →
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 home carrier filings
| Carrier | Filed Rate | Effective | Source |
|---|---|---|---|
| Allstate | $204/mo | 2025-12-01 | 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/
Get your specific quote with Sage →
Get your specific quote in 60 seconds with PolicyChat Sage —
Start Sage