Texas Adds Auto Insurance Data to Transparency Tool
Drivers can now search for trends in insurance denials and cancellations by ZIP code to inform their financial planning.
Updated on Oct. 28, 2026 in Insurance
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The Texas Department of Insurance has expanded its online transparency tool to include aggregated data on personal auto insurance. Texas drivers can now search by ZIP code to see trends in policy denials, cancellations, and nonrenewals.
Why it matters
This database provides residents with a clearer view of the insurance landscape in their area, helping them understand patterns behind coverage decisions. The tool stems from House Bill 2067, which requires insurers to provide written explanations for adverse coverage actions.
The updated state database now hosts information on policy actions for both residential property and personal auto insurance. While the tool provides local visibility into coverage decisions, it does not reveal the identity of individual insurance companies.
The players
Texas Department of Insurance
The state agency responsible for insurance regulation and consumer transparency tools.
Texas FAIR Plan Association
An organization providing residential property insurance alternatives for consumers who have been turned down by two insurers.
The details
Under House Bill 2067, insurance companies must submit summaries of their coverage decisions to the Texas Department of Insurance. The state then aggregates this data by ZIP code, allowing homeowners and drivers to track trends in how policies are being declined or canceled. This provides a broader perspective on the insurance market, though individual policyholder results will still vary based on personal risk factors.
Timeline
Texas lawmakers approved House Bill 2067 in 2025.
Insurance reporting requirements began on January 1, 2026.
The state began collecting insurer decision summaries on April 1, 2026.
The residential property insurance tool launched in September 2026.
Personal auto insurance data was added to the tool on October 15, 2026.
Money Landscape
The expansion of this tool follows the broader implementation of House Bill 2067, which sought to increase insurer accountability. This state-level initiative places Texas among regulators using transparency to address market shifts in property and auto insurance access.
Residents can now use the state portal to review patterns in insurance coverage actions, which may inform future shopping decisions if they face policy issues. If you have questions about your coverage or rights, contact the Texas Department of Insurance Help Line at 800-252-3439 between 8 a.m. and 5 p.m.
The takeaway
The addition of auto insurance data provides a new layer of market transparency for households across the state. Consumers concerned about coverage denials should verify their policy status and consult with a licensed professional to explore options like the Texas FAIR Plan Association.
Further reading
For more on managing your coverage, visit Insurance.
Source note: This article includes information reported by KPRC.
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