{
  "@context": "https://schema.org",
  "@type": "Dataset",
  "title": "Texas Auto Insurance Statewide Report 2026",
  "name": "Texas Auto Insurance: 2026 Statewide Cost & Coverage Report",
  "alternateName": "Texas Statewide Non-Standard Auto Insurance Dataset 2026",
  "description": "Statewide Texas auto insurance dataset covering 2026: median monthly premiums across 12 Texas metros, SR-22 cost by metro, non-standard vs standard market share by ZIP, Matricula Consular acceptance rates by carrier band, shopping frequency, DUI/DWI rate differential, Hispanic-demographic price impact, and 25-county rate range data. Aggregated from A-LA Auto Insurance internal bind data (25,000+ family records since 2021) reconciled with public sources (TDI bulletins, NAIC Auto Insurance Database, Insurance Information Institute, FBI Uniform Crime Reporting program, Insurance Research Council, US Census ACS).",
  "publisher": {
    "@type": "Organization",
    "name": "A-LA Auto Insurance",
    "url": "https://alaautoinsurance.com",
    "identifier": "TDI #3107286",
    "email": "admin@alaautoinsurance.com"
  },
  "creator": {
    "@type": "Person",
    "name": "Sean Gilani",
    "jobTitle": "Licensed Insurance Agent (TDI #3107286)",
    "url": "https://alaautoinsurance.com/authors/sean"
  },
  "tdi_license": "3107286",
  "datePublished": "2026-05-10",
  "dateModified": "2026-05-10",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "license_short": "CC-BY-4.0",
  "isAccessibleForFree": true,
  "inLanguage": "en-US",
  "temporalCoverage": "2021-01/2026-04",
  "spatialCoverage": {
    "@type": "Place",
    "name": "State of Texas, United States"
  },
  "url": "https://alaautoinsurance.com/resources/texas-auto-insurance-statewide-2026",
  "identifier": "https://alaautoinsurance.com/data/texas-statewide-auto-insurance-2026.json",
  "methodology": "A-LA Auto Insurance aggregated 25,000+ family records and 175,000+ multi-carrier quote events from January 2021 through April 2026 across a 35+ licensed Texas carrier panel. Records cover standard, non-standard, SR-22, no-license, ITIN, and Matricula Consular cohorts. Monthly premiums reflect liability-only minimum-limit baseline (30/60/25 Texas minimum) for a representative non-standard cohort. Public benchmarks reconciled against TDI public rate filings, NAIC Auto Insurance Database Reports, Insurance Information Institute auto fact files, US Census ACS 5-year MSA estimates, FBI UCR motor vehicle theft series, and Insurance Research Council uninsured motorist series. Figures are rounded modeled medians; individual quotes vary by ZIP, age, violation history, and carrier underwriting bands.",
  "sample_size": {
    "family_records": 25000,
    "quote_events": 175000,
    "carriers_on_panel": 35,
    "policy_years_observed": 62000,
    "time_period_months": 64
  },
  "keywords": [
    "Texas auto insurance 2026",
    "Texas statewide premium data",
    "non-standard auto insurance Texas",
    "SR-22 cost by metro Texas",
    "Matricula Consular auto insurance acceptance",
    "Hispanic Texas auto insurance",
    "Texas county auto insurance rates",
    "Texas DUI insurance rate impact",
    "Texas insurance shopping frequency"
  ],
  "data": {
    "by_metro": [
      {"metro": "Dallas-Fort Worth", "median_monthly_premium_usd": 145, "sr22_monthly_avg_usd": 112, "non_standard_share_pct": 38, "sample_n": 9200},
      {"metro": "Houston", "median_monthly_premium_usd": 168, "sr22_monthly_avg_usd": 128, "non_standard_share_pct": 42, "sample_n": 4100},
      {"metro": "Austin-Round Rock", "median_monthly_premium_usd": 138, "sr22_monthly_avg_usd": 104, "non_standard_share_pct": 29, "sample_n": 1850},
      {"metro": "San Antonio", "median_monthly_premium_usd": 132, "sr22_monthly_avg_usd": 99, "non_standard_share_pct": 34, "sample_n": 2300},
      {"metro": "El Paso", "median_monthly_premium_usd": 115, "sr22_monthly_avg_usd": 88, "non_standard_share_pct": 41, "sample_n": 980},
      {"metro": "McAllen-Edinburg", "median_monthly_premium_usd": 108, "sr22_monthly_avg_usd": 82, "non_standard_share_pct": 44, "sample_n": 720},
      {"metro": "Corpus Christi", "median_monthly_premium_usd": 124, "sr22_monthly_avg_usd": 95, "non_standard_share_pct": 36, "sample_n": 410},
      {"metro": "Laredo", "median_monthly_premium_usd": 119, "sr22_monthly_avg_usd": 91, "non_standard_share_pct": 43, "sample_n": 380},
      {"metro": "Brownsville-Harlingen", "median_monthly_premium_usd": 112, "sr22_monthly_avg_usd": 86, "non_standard_share_pct": 45, "sample_n": 290},
      {"metro": "Lubbock", "median_monthly_premium_usd": 122, "sr22_monthly_avg_usd": 94, "non_standard_share_pct": 31, "sample_n": 260},
      {"metro": "Amarillo", "median_monthly_premium_usd": 118, "sr22_monthly_avg_usd": 90, "non_standard_share_pct": 30, "sample_n": 210},
      {"metro": "Waco", "median_monthly_premium_usd": 127, "sr22_monthly_avg_usd": 97, "non_standard_share_pct": 33, "sample_n": 230}
    ],
    "non_standard_share_by_zip_band": [
      {"zip_band": "Dense urban DFW core (75201, 75217, 76104)", "non_standard_share_pct": 52},
      {"zip_band": "DFW inner suburb (75050, 75061, 76040)", "non_standard_share_pct": 41},
      {"zip_band": "DFW outer suburb (75070, 76244, 75093)", "non_standard_share_pct": 22},
      {"zip_band": "Houston urban core (77002, 77004, 77017)", "non_standard_share_pct": 49},
      {"zip_band": "El Paso urban (79901, 79905)", "non_standard_share_pct": 47},
      {"zip_band": "Rio Grande Valley urban (78501, 78521, 78040)", "non_standard_share_pct": 51},
      {"zip_band": "Central Texas suburb (78613, 78759, 78704)", "non_standard_share_pct": 25}
    ],
    "matricula_consular_acceptance": [
      {"carrier_band": "Specialty Texas-domiciled non-standard markets", "matricula_accepted_pct": 100, "note": "Primary alt-ID carrier panel — A-LA full-panel acceptance"},
      {"carrier_band": "Regional non-standard markets", "matricula_accepted_pct": 92},
      {"carrier_band": "Mid-market national non-standard", "matricula_accepted_pct": 71},
      {"carrier_band": "National standard preferred carriers", "matricula_accepted_pct": 18},
      {"carrier_band": "Direct-to-consumer national brands", "matricula_accepted_pct": 6}
    ],
    "shopping_frequency": [
      {"segment": "Non-standard / SR-22 cohort", "median_months_between_shops": 6, "share_shop_under_12mo_pct": 78},
      {"segment": "Standard preferred cohort", "median_months_between_shops": 22, "share_shop_under_12mo_pct": 31},
      {"segment": "Matricula / ITIN cohort", "median_months_between_shops": 5, "share_shop_under_12mo_pct": 84},
      {"segment": "Full-coverage financed-vehicle cohort", "median_months_between_shops": 14, "share_shop_under_12mo_pct": 47}
    ],
    "dui_dwi_rate_differential": [
      {"violation": "Clean record (baseline)", "rate_multiplier_x": 1.00},
      {"violation": "Single minor (speeding 1-10)", "rate_multiplier_x": 1.12},
      {"violation": "Major moving (reckless)", "rate_multiplier_x": 1.68},
      {"violation": "First DWI / DUI conviction (Texas)", "rate_multiplier_x": 2.14},
      {"violation": "Second DWI within 5 years", "rate_multiplier_x": 2.92},
      {"violation": "DWI with SR-22 + ignition interlock", "rate_multiplier_x": 2.47},
      {"violation": "No-insurance citation triggering SR-22", "rate_multiplier_x": 1.61}
    ],
    "hispanic_demographic_price_impact": [
      {"cohort": "Hispanic-origin household, English-primary, owns vehicle outright, clean record", "premium_index_vs_state_median": 0.94, "note": "Slight discount driven by lower-coverage selection and older vehicles"},
      {"cohort": "Hispanic-origin household, Spanish-primary, ITIN-based, clean record", "premium_index_vs_state_median": 1.08, "note": "Premium reflects specialty carrier band, not demographic surcharge"},
      {"cohort": "Hispanic-origin household, Matricula Consular ID, no-prior-insurance, clean record", "premium_index_vs_state_median": 1.18, "note": "No-prior-insurance penalty is the dominant driver"},
      {"cohort": "Hispanic-origin household with active SR-22", "premium_index_vs_state_median": 1.42}
    ],
    "by_county": [
      {"county": "Harris", "metro": "Houston", "monthly_range_usd": "135-225", "uninsured_rate_est_pct": 18},
      {"county": "Dallas", "metro": "DFW", "monthly_range_usd": "115-205", "uninsured_rate_est_pct": 17},
      {"county": "Tarrant", "metro": "DFW", "monthly_range_usd": "110-195", "uninsured_rate_est_pct": 16},
      {"county": "Bexar", "metro": "San Antonio", "monthly_range_usd": "105-180", "uninsured_rate_est_pct": 15},
      {"county": "Travis", "metro": "Austin", "monthly_range_usd": "110-185", "uninsured_rate_est_pct": 13},
      {"county": "Collin", "metro": "DFW", "monthly_range_usd": "95-165", "uninsured_rate_est_pct": 11},
      {"county": "Denton", "metro": "DFW", "monthly_range_usd": "95-170", "uninsured_rate_est_pct": 12},
      {"county": "Hidalgo", "metro": "McAllen-Edinburg", "monthly_range_usd": "88-160", "uninsured_rate_est_pct": 19},
      {"county": "El Paso", "metro": "El Paso", "monthly_range_usd": "92-165", "uninsured_rate_est_pct": 16},
      {"county": "Fort Bend", "metro": "Houston", "monthly_range_usd": "120-200", "uninsured_rate_est_pct": 14},
      {"county": "Williamson", "metro": "Austin", "monthly_range_usd": "100-170", "uninsured_rate_est_pct": 12},
      {"county": "Cameron", "metro": "Brownsville", "monthly_range_usd": "90-160", "uninsured_rate_est_pct": 18},
      {"county": "Montgomery", "metro": "Houston", "monthly_range_usd": "115-195", "uninsured_rate_est_pct": 14},
      {"county": "Galveston", "metro": "Houston", "monthly_range_usd": "118-200", "uninsured_rate_est_pct": 15},
      {"county": "Nueces", "metro": "Corpus Christi", "monthly_range_usd": "100-175", "uninsured_rate_est_pct": 16},
      {"county": "Webb", "metro": "Laredo", "monthly_range_usd": "95-170", "uninsured_rate_est_pct": 17},
      {"county": "Brazoria", "metro": "Houston", "monthly_range_usd": "112-190", "uninsured_rate_est_pct": 14},
      {"county": "Bell", "metro": "Killeen-Temple", "monthly_range_usd": "98-170", "uninsured_rate_est_pct": 13},
      {"county": "Lubbock", "metro": "Lubbock", "monthly_range_usd": "98-170", "uninsured_rate_est_pct": 13},
      {"county": "McLennan", "metro": "Waco", "monthly_range_usd": "100-175", "uninsured_rate_est_pct": 14},
      {"county": "Smith", "metro": "Tyler", "monthly_range_usd": "100-175", "uninsured_rate_est_pct": 13},
      {"county": "Brazos", "metro": "College Station", "monthly_range_usd": "98-170", "uninsured_rate_est_pct": 12},
      {"county": "Ellis", "metro": "DFW", "monthly_range_usd": "98-170", "uninsured_rate_est_pct": 13},
      {"county": "Johnson", "metro": "DFW", "monthly_range_usd": "100-172", "uninsured_rate_est_pct": 13},
      {"county": "Hays", "metro": "Austin", "monthly_range_usd": "102-178", "uninsured_rate_est_pct": 12}
    ]
  },
  "citations": [
    {"source": "Texas Department of Insurance", "url": "https://www.tdi.texas.gov/consumer/autoins.html", "use": "Public rate filings, bulletins, consumer guides"},
    {"source": "National Association of Insurance Commissioners (NAIC)", "url": "https://www.naic.org", "use": "Auto Insurance Database Reports"},
    {"source": "Insurance Information Institute (III)", "url": "https://www.iii.org", "use": "Auto insurance fact files"},
    {"source": "Insurance Research Council (IRC)", "url": "https://www.insurance-research.org", "use": "Uninsured motorist series"},
    {"source": "FBI Uniform Crime Reporting Program", "url": "https://ucr.fbi.gov", "use": "Motor vehicle theft frequency"},
    {"source": "US Census ACS", "url": "https://www.census.gov/programs-surveys/acs", "use": "Texas MSA demographic 5-year estimates"},
    {"source": "Texas DPS / TexasSure", "url": "https://www.dps.texas.gov", "use": "Insurance verification program data"}
  ],
  "press_contact": {
    "name": "A-LA Auto Insurance Press Office",
    "email": "admin@alaautoinsurance.com",
    "url": "https://alaautoinsurance.com/contact"
  }
}