Estimate your Texas title insurance premium based on the current TDI-approved rate schedule. Premiums regulated by the Texas Department of Insurance.
This is a preliminary estimate based on current TDI basic premium rates, not a quote. Actual premiums depend on coverage amount, endorsements, and other factors.
Effective March 1, 2026 - 6.2% reduction applied. These are basic premium rates. Endorsements and other charges may add to the total.
| Coverage Amount | Approx. Basic Premium |
|---|---|
| $100,000 | $675 |
| $150,000 | $968 |
| $200,000 | $1,244 |
| $268,500 (example) | $1,612 |
| $300,000 | $1,775 |
| $400,000 | $2,266 |
| $500,000 | $2,740 |
| $750,000 | $3,935 |
| $1,000,000 | $5,100 |
Source: Texas Department of Insurance (TDI) - Basic premium rates as of March 1, 2026. Approximate values for illustration. Consult TDI or your title company for exact rate calculation.
The Texas Department of Insurance ordered a 6.2% reduction in basic title-insurance premium rates effective March 1, 2026. All licensed Texas title insurance companies must charge the TDI-approved basic rates, so the base premium is the same regardless of which title company you choose. For more details, read our full guide to the 2026 rate reduction.
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