Are you actually getting the new rate?
Approved changes are statewide averages, and a cut usually reaches new buyers first — existing customers often don’t see it until their next renewal, if at all. For example, State Farm’s cut took effect for new customers on Apr 15, 2026 but existing customers only at renewals starting Jun 4, 2026. The only way to know you’re on the best current price is to re-shop.
Carriers that cut Texas rates in 2026
| Carrier | Change | Effective | Policyholders | Source |
|---|---|---|---|---|
| State Farm | −4.1% | Apr 15, 2026 | — | State Farm Newsroom |
Figures are filed/approved statewide averages from each state’s Department of Insurance; your individual change varies by risk profile. Each row links to its source. Not a quote.
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