Who we are
Texas Auto Rates is an independent Texas-focused auto insurance research site. We are not an insurance company, an agent, or an MGA. We operate under the byline "Texas Auto Rates Editorial Team" — a small research group that tracks Texas Department of Insurance filings, NAIC complaint data, IIHS vehicle safety ratings, and NOAA Storm Prediction Center hail data to produce the guidance on this site.
When you submit a quote request through a form on this site, your information is sent to licensed insurance agents and partners who can provide personalized quotes. We may be compensated when that happens. We disclose this relationship in our footer and at every point on the site where a compensated link appears.
What we research
- Texas-specific pricing. City-level and ZIP-level average premiums, compiled from public TDI rate filings and carrier-published data.
- Regulatory context. Texas minimum-liability rules (30/60/25), SR-22 filing mechanics, uninsured-motorist coverage, and related state law.
- Carrier comparisons. We look at AM Best ratings, J.D. Power customer-satisfaction scores, NAIC complaint ratios, and named discount programs. We do not interview carrier representatives.
- Local risk factors. Hail claim frequency (NOAA SPC), vehicle theft rates (NICB), and commute-length data where it materially changes what a driver should carry.
How we write
- Every city, guide, coverage, and comparison page is built around a unique data hook — a specific fact or figure that differentiates the page and cannot be fabricated (e.g. a real TDI complaint ratio, a real TDPS SR-22 filing fee, a real NOAA hail-event count). That hook is visible in the article and, for new articles, also recorded in the page's metadata.
- Draft content is generated with AI assistance (Claude by Anthropic) against a structured prompt that includes real data, source instructions, and a strict "no fabrication" rule. We use AI to assemble and format research, not to invent facts.
- Pages are written for a general reader. Technical terms are defined the first time they appear.
How we review
- Every fifth new page undergoes a human review pass before publish: we verify the unique data hook, spot-check any specific figures against the primary source, and confirm the "Sources & Further Reading" list is accurate. Pages that pass review are tagged Human reviewed in the byline.
- Any page can be flagged for review at any time by emailing [email protected]. We aim to respond within five business days.
- We publish no more than five new pages per week. Volume is not the goal — accuracy and usefulness are.
How we update
- Every article carries a Last reviewed date. This is the date the team most recently confirmed the facts and pricing references in the piece.
- When a fact changes materially — a new TDI rule, a carrier rate filing change, a new Texas law — we update the affected pages within 30 days and bump the review date.
- At 90 days post-publish, any page that has not received meaningful search impressions or backlinks is either rewritten from a new angle or removed, so that the site's overall content quality does not degrade over time.
What we will never do
- Fabricate customer testimonials or savings figures. Any example scenarios on this site are clearly labeled as illustrative and are based on public TDI averages, not individual customers.
- Claim a specific carrier is "the cheapest" or "the best" without pointing to the data that supports the claim in that specific context.
- Link to a source we have not verified exists.
- Sell, rent, or trade your personal information outside of the licensed insurance partners you have explicitly consented to share with at form submission.
Corrections policy
If you spot a factual error, email [email protected] with the page URL and the specific claim. We will correct verified errors within five business days and note the correction on the page.