Dropped by Your Auto Insurer? A New Texas Tool Shows Why, ZIP by ZIP
The Texas Department of Insurance added auto data to its public tool showing why insurers decline, cancel or refuse to renew policies in every ZIP code.
Texans who have been turned down or dropped by an auto insurer can now see how common that is where they live, and why. The Texas Department of Insurance on Thursday added personal auto data to a public webpage that shows the reasons insurers decline, cancel or refuse to renew policies in every ZIP code, the agency announced. The page also shows the number of insured vehicles, TDI said in the release, which the Gilmer Mirror also published.
The tool launched in September with home insurance data. TDI said then it had loaded more than 350,000 notices through June and planned to add auto information later this year, Insurance Journal reported.
"Expanding this transparency tool is more than a data update; it's a commitment to the Texans we serve. By giving Texans clearer insight into why insurance decisions are made, we're empowering them to navigate their coverage with confidence," said Insurance Commissioner Amanda Crawford.
Where it comes from
House Bill 2067, passed in 2025, requires insurers to tell customers in writing why they declined, canceled or did not renew a home or auto policy. Companies must also report summaries of those reasons to TDI, which must post them. Reporting started April 1, 2026, according to TDI.
What you can see
Pick a reporting period, a ZIP code and a policy type. For auto, the page shows the number of declinations, cancellations and nonrenewals, the reasons cited and the number of insured vehicles. It shows reasons by ZIP code, not by company, and a single notice can list more than one reason.
TDI's list of reasons includes failure to pay premiums, claims history or driving record, a suspended license or registration, the make and model of the vehicle, an insurer pulling out of the market and an insured who will not cooperate in a claim investigation. Credit score can be a reason, but state law says it cannot be the only one.
How to use it
If you get a notice, read the reason and check whether it is accurate. Compare it with what is happening in your ZIP code. If many neighbors are being dropped for the same reason, it may be a market issue rather than something about you, and that is worth knowing when you shop.
Questions can go to the TDI Help Line at 800-252-3439, weekdays 8 a.m. to 5 p.m. Central.
Sunlight helps
Being dropped by an insurer without a clear reason is frustrating. Requiring a written explanation, and letting the public see the patterns, is a fair rule that treats customers like adults. It does not set prices or pick winners. It just tells the truth. For more on Texas insurance costs, see our story on falling home insurance rates.
Hero photo: Larry D. Moore via Wikimedia Commons, CC BY 4.0, cropped and resized.
