Open your mailbox, find a non-renewal notice from your auto insurer, and your first reaction is usually a single word: why? For years in Texas, getting that answer meant formally requesting it and waiting. As of 2026, that's changed — and it's a genuinely good change for drivers.

What House Bill 2067 actually does

Under House Bill 2067, passed by the 89th Texas Legislature and effective for any insurance decision made on or after January 1, 2026, insurance companies must automatically provide a written reason any time they decline, cancel, or refuse to renew an auto or home policy. You no longer have to ask. The explanation shows up on its own.

It applies across property and casualty insurers — including the farm mutuals — and covers applications, new policies, and renewals alike. The Texas Department of Insurance is also collecting these reasons from companies on a quarterly basis and plans to publish summary data, which over time gives everyone a clearer picture of why Texans get dropped.

The short version: if an insurer says no — to a new application or to your renewal — they now have to tell you why, in writing, without you lifting a finger.

Why this matters more than it sounds

A vague "we've decided not to renew your policy" is useless. A specific reason is something you can act on. Maybe it's a string of claims, a lapse in coverage, a recent ticket, or something on your record you can actually dispute or fix. Knowing the real cause is the difference between fixing the problem and getting bounced from one insurer to the next.

It's also a transparency win. When companies know they have to put the reason in writing — and report it to the state — arbitrary or sloppy decisions get harder to make.

What to do if you get one of these notices

  1. Read the stated reason carefully. It should now be specific. If it's still vague, that's a problem worth raising.
  2. Check it for errors. Insurance and driving records contain mistakes more often than you'd think. A claim that wasn't yours or a violation that was dismissed can and should be corrected.
  3. Fix what's fixable before you shop, so the same issue doesn't follow you to the next insurer.
  4. Shop immediately. A non-renewal is not the end of the road — plenty of carriers in our comparison may still want your business. Don't let coverage lapse, because a gap makes your next policy more expensive.
  5. If something seems wrong, you have the right to file a complaint with the Texas Department of Insurance. They specifically remind consumers of this.

A quick reminder: the rest of the rules didn't change

While we're talking 2026 law: the minimum coverage requirement is still 30/60/25. Despite some rumors online, Texas did not raise its minimum liability limits this year. The TexasSure database still verifies your insurance against your registration electronically — typically within a couple of days of any lapse — so letting coverage slide gets noticed quickly. And the penalties for driving uninsured (a $175–$350 fine for a first offense, climbing from there) are unchanged.

The takeaway

HB 2067 won't lower your premium, but it hands you something valuable: a straight answer when an insurer says no. Use it. A specific reason is a problem you can solve — and solving it is what keeps you insurable and your rates sane. If you've just been non-renewed, start fresh quotes today with our Texas carrier comparison.