Monthly reports and a quarterly outlook for the Texas insurance market: claim costs, storm activity, regulation, fraud and emerging risks. Each report uses public data, cites every source and ends with practical steps for underwriting and claims teams.
Q3 review and forecasts to 2027. Personal auto claim costs are forecast to rise 6.6% to December while the motor vehicle insurance CPI falls 4.8%, about 4 points of loss ratio pressure. Frequency eases, spring hail is the main catastrophe risk and the Texas hurricane season is effectively over.
Niall Crowley · October 30, 2026
TDI launched a 63-member Insurance Fraud Task Force in October. Fake auto policies sold on social media are rising, Texas had the second-most vehicle thefts in the U.S. in 2025 and cargo thieves increasingly use deception rather than force.
Niall Crowley · October 29, 2026
TxDMV has authorized 3,164 driverless vehicles across 17 operators. Texas battery-electric registrations rose 68% in two years and ADAS adds hundreds of dollars to common repairs. What it means for claims and underwriting.
Niall Crowley · October 26, 2026
October was below average for Texas hail and wind, but four reports of 2-inch or larger hail hit the Panhandle on 13 October. Where the hail year stands, why DFW carries the most exposure and what to set up before spring.
Niall Crowley · October 19, 2026
Following the Governor's affordability directive, TDI issued bulletins on price optimization and home discounts, published home and auto declination reasons by ZIP code and proposed a roof age rule. The SB 458 appraisal rules were adopted on 6 November and apply from 1 March 2027.
Niall Crowley · October 12, 2026
Repair, legal and hospital costs keep rising while the motor vehicle insurance price index fell 5.0% over the year. Dallas-Fort Worth medical inflation runs at nearly three times the U.S. rate. What it means for Texas auto loss ratios.
Niall Crowley · October 5, 2026
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