Our Mission 

Our goal is to bring together everyone with a stake in insurance issues—which is nearly all Texans—to collaborate on solutions that improve insurance affordability and accessibility across the state.

Consumer choice is thriving in Texas’ insurance marketplace, with 160 homeowners insurers and 173 auto insurers actively writing policies.

TCAIS believes it is essential to preserve the stability and competitiveness of Texas’ auto and homeowners insurance market. A strong, balanced regulatory environment helps keep coverage affordable and accessible for consumers—while ensuring insurers can continue serving Texans and paying claims.

Issue Profile: Losses Ratios

Severe weather and other national and global pressures have impacted Texas’ insurance market in recent years. However, an analysis of combined loss ratios—a key measure of rate adequacy and market performance—shows that Texas has maintained a strong market structure. This stability has allowed insurers to continue paying claims while keeping policy prices close to a long-term break-even level, benefiting both consumers and insurers.
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State of the Market

Multiple factors are driving the rise in homeowners and auto insurance rates affecting policyholders in Texas and nationwide. To better understand the trends behind these increases, explore our latest State of the Market reports:

View Homeowners Report View Auto Report

Key Issues

Texas’ insurance market has remained stable since the Legislature enacted landmark reforms in 2003. To preserve this progress, the state must stay committed to policies that both protect consumers and foster a competitive environment that encourages insurers to do business in Texas.


Risk Mitigation

While we can’t control the weather or the broader inflationary pressures that drive insurance costs, policymakers have the power to enact meaningful reforms that save lives, reduce loss and damage, lower insurance claims, and ultimately help bring down premiums for consumers.

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The ABC's of insurance rates...

The Texas Insurance Marketplace 
Must Be Able to Weather the Storm

Texas Weather

Texas has the most severe weather in the country – with exposure to nine different types of natural disasters – the most among any state. Although Texas has been subject to some of the biggest weather-related catastrophes, severity is only part of the story. 

Fraud & Abuse

Texans suffer tremendous roof-related losses because of the state’s severe weather, including hail, tornadoes and hurricanes. But when it comes time to get that damage fixed, consumers and roofers are extremely vulnerable to bad actors in the roofing business. 

Risk Mitigation

While we can’t control the weather, there are a number of things Texans – from individual homeowners to state legislators – can do both before and after a storm hits to protect lives, lessen storm damage, reduce insurance claims and save money.

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