Texas renters insurance: no new filings in 30 days, $18/mo NAIC baseline holds (2026)

No new Texas renters insurance rate filings have been recorded in the past 30 days. The 2023 NAIC published baseline ($18/mo) remains the most recent state-aggregate reference; current carrier rates typically run 10-25% above.

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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.

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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