Texas Auto Insurance Cancellation: New Written Reason Law (HB 2067)

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If your Texas auto insurance was cancelled or not renewed after January 1, 2026, your insurer must now give you a written explanation. HB 2067 requires the reason to be included with the notice. The law applies to decisions made on or after that date.

What Does HB 2067 Require Texas Insurers to Tell You?

Under House Bill 2067, an insurer must give you a written statement of the reason for a declination, cancellation, or non-renewal of an insurance policy. The law amended the Texas Insurance Code to require the reason to be provided automatically with the notice, rather than only upon request.

Before the change, the law required insurers to provide a reason if the policyholder asked for it. Many consumers did not know they could ask or how to ask. HB 2067 changed that: the written reason must now accompany the notice.

The law applies to decisions companies make after January 1, 2026. If your policy was cancelled or not renewed before that date, the old rules apply.

How Much Notice Must a Texas Auto Insurer Give Before Cancelling or Not Renewing Your Policy?

For personal automobile insurance policies in Texas, the notice deadline depends on the type of action.

The Texas Department of Insurance consumer guide “Was your auto insurance not renewed or canceled?” states that a cancellation notice must be mailed at least 10 days before the effective date, and a non-renewal notice must be mailed at least 60 days before the policy expires. If the cancellation is for nonpayment of premium, the same 10-day rule applies.

For non-renewal, the insurer must mail the notice at least 60 days before the policy expires. Verify the specific rule that applies to your situation with the TDI or the exact text of your insurer’s notice.

What Should Texas Drivers Do After Receiving a Cancellation or Non-Renewal Notice?

Read the stated reason carefully. The written reason is the starting point for your next step.

• Identify what you can fix If the reason is an unpaid balance, a driving record issue, or another correctable problem, address it before you apply for new coverage.
• If the reason is wrong, dispute it You now have documentation you can use to file a complaint with the Texas Department of Insurance. Call TDI’s Help Line at 800-252-3439 or file online at tdi.texas.gov.
• If you cannot find coverage, ask about TAIPA The Texas Automobile Insurance Plan Association provides coverage to eligible drivers who cannot obtain it in the voluntary market. TAIPA policies offer the minimum liability coverage required by Texas law. You can also get uninsured/underinsured motorist coverage and personal injury protection through TAIPA.

Frequently Asked Questions About Texas Auto Insurance Cancellation

Does HB 2067 apply to policies cancelled before January 1, 2026?

No. HB 2067 applies only to decisions companies make after January 1, 2026. If your policy was cancelled or not renewed before that date, the old rules apply, and the written reason was only required if you asked for it.

How long does an insurer have to send a cancellation notice in Texas?

For personal automobile policies in Texas, the TDI consumer guide states that a cancellation notice must be mailed at least 10 days before the effective date, and a non-renewal notice must be mailed at least 60 days before the policy expires. If the cancellation is for nonpayment of premium, the same 10-day rule applies.

What can I do if my Texas auto insurer did not give a written reason?

If the decision was made after January 1, 2026, and you did not receive a written reason, you can file a complaint with the Texas Department of Insurance. Call the TDI Help Line at 800-252-3439 or file online at tdi.texas.gov.

The Bottom Line

If your Texas auto insurance was cancelled or not renewed after January 1, 2026, you are entitled to a written explanation. Use that reason to fix what you can, dispute what you believe is wrong, or find a new insurer with a clearer picture of your situation. If you cannot find coverage, TAIPA may be an option if you cannot obtain coverage in the voluntary market.

How We Verified This

We checked the enrolled text of Texas HB 2067 (89th Legislature, 2025) on the Texas Legislature’s website, including its January 1, 2026 effective date and its application to applications made and policies delivered, issued for delivery, or renewed on or after that date. We opened the Texas Department of Insurance consumer guide “Was your auto insurance not renewed or canceled?” to confirm the 10-day cancellation and 60-day non-renewal notice periods, and TDI’s February 24, 2026 news release confirming that HB 2067 applies to decisions made after January 1, 2026. We opened TDI’s September 23, 2026 news release and the TDI transparency page itself; at launch, the tool showed home insurance data by ZIP code, with auto insurance insights planned for later in 2026. We also opened TAIPA’s published FAQs to confirm eligibility (two refusals within 60 days) and available coverages. What we could not confirm: whether the auto data has been added to the TDI tool by the date you read this; check the TDI page directly for the current scope.