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Texas · TDI Basic Premium Rates (eff. March 1, 2026)Texas title insurance rates: the 2026 basic premium

In Texas every title company charges the same premium for the same policy, because the Commissioner of Insurance sets the rates. Under the basic premium rates effective March 1, 2026, a $100,000 policy costs $780; for a policy between $100,001 and $1,000,000 the premium is the amount over $100,000 × 0.00494, rounded, plus $780; between $1,000,001 and $5,000,000 it is the amount over $1,000,000 × 0.00406 plus $5,226. So a $250,000 owner's policy is $1,521, $400,000 is $2,262 and $1,000,000 is $5,226. Rate rules in Section III of the Basic Manual cover simultaneous loan policies, credits and endorsements, which are added separately.

Basic premium – rates effective March 1, 2026

  1. Up to $100,000

    From the TDI table – e.g. $308 at $25,000, $780 at $100,000.

  2. $100,001 – $1,000,000

    (Face amount − $100,000) × 0.00494, rounded, + $780.

  3. $1,000,001 – $5,000,000

    (Face amount − $1,000,000) × 0.00406 + $5,226.

  4. $5,000,001 – $15,000,000

    (Face amount − $5,000,000) × 0.00335 + $21,466.

  5. Examples

    $250,000 → $1,521. $400,000 → $2,262. $1,000,000 → $5,226.

  6. Set by the state

    Title companies may not charge a different premium for the same policy; rates and rules are in the TDI Basic Manual, Section III.

How to check the title line

  • Use the owner's policy amount – normally the sales price – and the formula above.
  • Ask the title company which rate rule applies to the lender's policy issued at the same time.
  • Endorsements (survey, amendment of exceptions) are separate charges – check which ones are ordered.
  • Look at the contract to see who pays the owner's policy.

What the TC watches

  • The policy amount on the title commitment matches the contract price.
  • A survey and any T-47 affidavit in time if the buyer wants the survey exception amended.
  • Rates changed on March 1, 2026 – older estimates may be off.

Questions buyers and sellers ask

How much is title insurance in Texas?

It is set by the state: $780 for a $100,000 policy and, above that, 0.494% of the amount over $100,000 plus $780 – $2,262 on a $400,000 policy (rates effective March 1, 2026).

Can I shop title insurance prices in Texas?

The premium is the same at every title company because the Commissioner promulgates it; service, endorsements and escrow handling are what differ.

Did Texas title rates change in 2026?

Yes. The Texas Department of Insurance published basic premium rates effective March 1, 2026.

Related guides

Store the title commitment on the deal in ClosingCode and add a task to check the premium against the contract price, with an owner and due date.

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Source: Texas Department of Insurance, Texas Title Insurance Basic Premium Rates effective March 1, 2026, and Basic Manual Section III (tdi.texas.gov, read October 25, 2026).

General information, not legal advice. ClosingCode is software; it is not a law firm, title agency or brokerage. This guide is not a substitute for the advice or services of an attorney.