Two Texas car insurers have asked to lower what they charge, and together the requests reach 274,000 policyholders. Auto Club County Mutual Insurance Company filed a 3% decrease affecting 235,000 policyholders, and Loya Insurance Company filed a 10.3% decrease affecting 39,000.
Both are filings, which means each company has proposed the new rate to the state. The Texas Department of Insurance listed them in an October 8 release titled “Home and auto insurance rates trending down for many Texans,” and the release does not say either one has been approved or has taken effect.
Whether a driver is covered by one of these filings depends on who writes the policy. A Texan insured by Auto Club County Mutual or Loya is inside the numbers above, while a driver with any other company is not named in them. Even inside a filing, the department gives no effective date, so no bill has necessarily changed yet.
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The two filings, side by side
The department’s October 8 release gives one line for each company. Auto Club County Mutual: a 3% decrease, 235,000 policyholders. Loya: a 10.3% decrease, 39,000 policyholders.
The Loya cut is more than three times the size of the Auto Club cut, but it reaches far fewer people. Measured by policyholders, the Auto Club County Mutual filing is about six times larger than the Loya filing.
Filed does not mean approved
The department’s own wording is about filings. Insurers file rates with the department before using them to set premiums, and the department reviews all filings for compliance with state law. Nothing in the release says these two have cleared that review or that a start date has been set.
That matters for a household budget. A filed 3% decrease on a policy is not yet a 3% lower bill, and a driver should not count on the savings until the insurer’s own renewal notice shows the new premium.
The 4.4 million drivers behind the list
The two named companies are a small slice of a larger trend. The department says insurers have filed auto rate decreases affecting 4.4 million policyholders since July 1, 2026.
On homeowners policies, the same release says filed changes averaged a 4.3% decrease over the past 90 days. Those figures are measured by the department from the filings it receives, not from what drivers and homeowners are paying today.
Homeowners are in the same release. Most insurers that filed homeowners changes with the department since July 1 proposed decreases, affecting about 700,000 policyholders. The department named ASI Lloyds, a Progressive company, at 6% for 71,000 policyholders and Texas Farm Bureau Mutual Insurance Company at 5.2% for 133,000, both among the top 10 insurance groups in Texas by premium volume.
What Texas officials told drivers to do
Insurance Commissioner Amanda Crawford said Texans should take advantage of the competitive market, shop around, and check that they are getting the best value for their coverage. Gov. Greg Abbott said in the same release that “High insurance costs hit Texas families hard, and premiums must reflect real risk.”
Nearly 160 companies sell auto and homeowners insurance in Texas, the department says. Consumers can search rate filings online or call the department’s help line at 800-252-3439.
The Auto Club County Mutual and Loya filings are the only two auto companies the department singled out by name. Everything else about the 4.4 million policyholders, including which companies they are with and how large each cut is, sits in the filings themselves, which the department says consumers can search online.
What stays unknown for a driver with another company
The release names only two auto insurers out of the 4.4 million policyholders in decrease filings, so a driver with a different company has no number to look up in it. The help line and the online filing search are the department’s two stated routes to find one.
The open question for most Texas drivers is simple: is the insurer on this household’s policy one of those that filed a decrease, and has the department cleared it?
Is a Texas auto cut already in this household’s budget?
Texas auto rate cuts are filed, not confirmed, and no effective date has been published. A household that plans around a 3% or 10.3% saving before a renewal notice arrives is budgeting on a number that may not exist yet.
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This article was produced with AI assistance and edited for accuracy against the sources linked above.
