Texas Adds Auto Data to Tool on Declined, Canceled Policies

The Texas Department of Insurance (TDI) has added personal auto data to its ZIP-code transparency tool on why insurance companies decline, cancel or don't renew policies. TDI's release, titled "TDI adds auto data to transparency tool showing why policies are declined, canceled, or not renewed," is dated October 2026 (original: https://www.tdi.texas.gov/news/2026/tdi10152026.html). The tool had already covered home policies.

Check TDI's page for the tool's current layout and wording.

TDI's adopted rules require insurers to include ZIP-code data on the reasons for cancellations, nonrenewals and declinations in the statistical reports they send to TDI's statistical agent. ¹ The rules implement a Texas law known as HB 2067. ¹ TDI then collects and posts an aggregated summary of that data. ¹ You can read the adopted rule text from the Texas Register.

For auto, the adopted updates add a new quarterly report on the reasons for cancellations, nonrenewals and declinations. ¹ They also add a report of the numbers of declined applications and canceled and nonrenewed policies by ZIP code. ¹

The reasons-related reporting applies to declinations, cancellations and nonrenewals starting on April 1, 2026. ¹ There are two exceptions. One is an application made before that date. The other is a cancellation of a policy delivered, issued for delivery or renewed before that date. ¹

The tool is organized by ZIP code. It describes activity across Texas, so it is not a record of any one driver's policy.

The tool is a data display. As far as the rule text we read shows, it is not a rate filing. It does not say what any insurer charges, and it does not change anyone's premium.

The rule text also points to some limits on the data:

• Insurers report reasons using shorthand codes. TDI expects insurers' notices to consumers to give a fuller explanation of the specific reason, and not to rely on TDI's codes. ¹
• TDI anticipates that reason codes will need updates over time. ¹
• A company can cite more than one reason for a single action, so reason counts are not the same as the number of actions.

A ZIP-code view cannot tell you why your own insurer made a decision about your policy. For that, look at the written notice from your insurer. For questions about how the rules apply or about a specific notice, contact your insurer and the Texas Department of Insurance.

Location is one of several factors in auto pricing, which we cover in Does Your ZIP Code Change Your Car Insurance Price?. Our Texas page explains how rates are set in the state. If a renewal notice has arrived, How to Read Your Car Insurance Renewal Notice walks through the common sections.

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• ¹ Official record: Texas Register adopted rule text on ZIP-code reporting of reasons for declinations, cancellations and nonrenewals, the April 1, 2026 start date, the quarterly auto report, and the reason-code limits.