Texas Codes

Tex. Ins. Code § 2703.151 (2026)

Fixing And Promulgating Premium Rates

✓ current as of May 2026

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Sec. 2703.151. FIXING AND PROMULGATING PREMIUM RATES. (a) Except as provided by Subsection (b), the commissioner shall fix and promulgate the premium rates to be charged by a title insurance company or by a title insurance agent for title insurance policies or for other forms prescribed or approved by the commissioner.

(b) The commissioner may not fix or promulgate the premium rates for reinsurance between title insurance companies. Title insurance companies may establish the premium rates in amounts to which the companies agree.

(c) Except for a premium charged for reinsurance, a premium may not be charged for a title insurance policy or for another prescribed or approved form at a rate different than the rate fixed and promulgated by the commissioner.

Added by Acts 2003, 78th Leg., ch. 1274, Sec. 6, eff. April 1, 2005.

Notes of Decisions

Cited in 5 cases (1 in the last 5 years), 2008–2025 · leading case: First Am. Title Ins. Co. v. Combs, 258 S.W.3d 627 (Tex. 2008).

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First Am. Title Ins. Co. v. Combs, 258 S.W.3d 627 (Tex. 2008). · cites it 2× “Laws 3611 , 4139 (current version at TEX. INS.CODE § 2703.151(a)). Although the relevant statutes have since been recodified, we will refer to them as they were written from 2001 to 2002, the tax years in controversy here.”

Hancock v. Chicago Title Ins., 635 F. Supp. 2d 539 (N.D. Tex. 2009). “Tex. Ins. Code Ann. § 2703.151 . If a title insurer charges a premium rate other than the rate set by the Commissioner, it forfeits the right to engage in business in Texas.”

Chapman v. Commonwealth Land Title Ins., 814 F. Supp. 2d 716 (N.D. Tex. 2011). “” Tex. Ins. Code Ann. § 2703.151 . In enforcing the terms of the TTIA, the Commissioner is given the ability to perform audits of title insurers.”

Hamilton v. First Am. Title Ins., 266 F.R.D. 153 (N.D. Tex. 2010). “at 3-4; see also TEX. INS. CODE § 2703.151. Texas is one of only three states that has promulgated specific, mandatory title-insurance rates.”

Texas Dep't of Ins. & Cassie Brown, in Her Capacity as Comm'r of the Texas Dep't of Ins. v. Texas Land Title Ass'n (Tex. App. 2025). · cites it 2× “1 Tex. Ins. Code § 2703.151................”

— Tex. Ins. Code § 2703.151(a) — 1 case

First Am. Title Ins. Co. v. Combs, 258 S.W.3d 627 (Tex. 2008). “Laws 3611 , 4139 (current version at TEX. INS.CODE § 2703.151(a)). Although the relevant statutes have since been recodified, we will refer to them as they were written from 2001 to 2002, the tax years in controversy here.”

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