Texas Title Insurance Premiums

TEXAS TITLE INSURANCE BASIC PREMIUM RATES

Rates Effective Sep 1, 2019

Policies Up To And Including

Basic Premium

Policies Up To And Including

Basic Premium

Policies Up To And Including

Basic Premium

Policies Up To And Including

Basic Premium

$25,000$328$44,000$456$63,000$583$82,000$711
$25,500$331$44,500$459$63,500$587$82,500$716
$26,000$335$45,000$463$64,000$591$83,000$720
$26,500$338$45,500$466$64,500$594$83,500$722
$27,000$340$46,000$469$65,000$597$84,000$725
$27,500$343$46,500$473$65,500$600$84,500$729
$28,000$347$47,000$475$66,000$604$85,000$732
$28,500$350$47,500$478$66,500$609$85,500$735
$29,000$355$48,000$483$67,000$612$86,000$738
$29,500$358$48,500$487$67,500$613$86,500$743
$30,000$361$49,000$490$68,000$617$87,000$747
$30,500$364$49,500$493$68,500$621$87,500$749
$31,000$368$50,000$496$69,000$624$88,000$752
$31,500$371$50,500$499$69,500$627$88,500$756
$32,000$374$51,000$501$70,000$631$89,000$760
$32,500$378$51,500$505$70,500$635$89,500$762
$33,000$381$52,000$510$71,000$639$90,000$765
$33,500$385$52,500$514$71,500$641$90,500$769
$34,000$388$53,000$516$72,000$644$91,000$773
$34,500$392$53,500$520$72,500$648$91,500$777
$35,000$395$54,000$523$73,000$651$92,000$779
$35,500$398$54,500$526$73,500$654$92,500$783
$36,000$401$55,000$529$74,000$658$93,000$786
$36,500$405$55,500$532$74,500$662$93,500$790
$37,000$408$56,000$537$75,000$666$94,000$791
$37,500$412$56,500$540$75,500$668$94,500$796
$38,000$416$57,000$543$76,000$671$95,000$801
$38,500$419$57,500$547$76,500$674$95,500$804
$39,000$421$58,000$551$77,000$678$96,000$805
$39,500$425$58,500$553$77,500$681$96,500$809
$40,000$428$59,000$556$78,000$685$97,000$813
$40,500$433$59,500$560$78,500$689$97,500$817
$41,000$435$60,000$564$79,000$693$98,000$820
$41,500$439$60,500$568$79,500$694$98,500$824
$42,000$442$61,000$571$80,000$698$99,000$827
$42,500$446$61,500$573$80,500$702$99,500$830
$43,000$448$62,000$577$81,000$706$100,000$832
$43,500$452$62,500$581$81,500$708

Title Basic Premium Calculation for Policies in Excess of $100,000

Using the table below, apply these steps to determine basic premium for policies above $100,000:

  • Step 1 In column (1), find the range that includes the policy’s face value.
  • Step 2 Subtract the value in column (2) from the policy’s face value.
  • Step 3 Multiply the result in Step 2 by the value in column (3), and round to the nearest dollar.
  • Step 4 Add the value in column (4) to the result of the value from Step 3.

(See examples provided following the table.)

(1)
Policy Range

(2)
Subtract

(3)
Multiply by

(4)
Add

[$100,001 - $1,000,000]100,0000.00527$832
[$1,000,001 - $5,000,000]1,000,0000.00433$5,575
[$5,000,001 - $15,000,000]5,000,0000.00357$22,895
[$15,000,001 - $25,000,000]15,000,0000.00254$58,595
[$25,000,001 - $50,000,000]25,000,0000.00152$83,995
[$50,000,001 - $100,000,000]50,000,0000.00138$121,995
[Greater than $100,000,000]100,000,0000.00124$190,995

Examples

Policy Value

Basic Premium

$268,500$1,720
$4,826,600$22,144
$10,902,800$43,968
$17,295,100$64,425
$39,351,800$105,810
$75,300,200$156,909
$151,250,300$254,545

Examples for Policies in Excess of $100,000

Example 1:

(1) Policy is $268,500

(2) Subtract $100,000 ==> $268,500 – $100,000 ==> Result = $168,500

(3) Multiply by 0.00527 ==> $168,500 x 0.00527 ==> $888.00 ==> Result = $888

(4) Add $832 ==> $888 + $832 ==> Final Result = $1,720

Example 2:

(1) Policy is $4,826,600

(2) Subtract $1,000,000 ==> $4,826,600 – $1,000,000 ==> Result = $3,826,600

(3) Multiply by 0.00433 ==> $3,826,600 x 0.00433 ==> $16,569.18 ==> Result = $16,569

(4) Add $5,575 ==> $16,569 + $5,575 ==> Final Result = $22,144

Example 3:

(1) Policy is $10,902,800

(2) Subtract $5,000,000 ==> $10,902,800 – $5,000,000 ==> Result = $5,902,800

(3) Multiply by 0.00357 ==> $5,902,800 x 0.00357 ==> $21,073.00 ==> Result = $21,073

(4) Add $22,895 ==> $21,073 + $22,895 ==> Final Result = $43,968

Example 4:

(1) Policy is $17,295,100

(2) Subtract $15,000,000 ==> $17,295,100 – $15,000,000 ==> Result = $2,295,100

(3) Multiply by 0.00254 ==> $2,295,100 x 0.00254 ==> $5,829.55 ==> Result = $5,830

(4) Add $58,595 ==> $5,830 + $58,595 ==> Final Result = $64,425

Example 5:

(1) Policy is $39,351,800

(2) Subtract $25,000,000 ==> $39,351,800 – $25,000,000 ==> Result = $14,351,800

(3) Multiply by 0.00152 ==> $14,351,800 x 0.00152 ==> $21,814.74 ==> Result = $21,815

(4) Add $83,995 ==> $21,815 + $83,995 ==> Final Result = $105,810

Example 6:

(1) Policy is $75,300,200

(2) Subtract $50,000,000 ==> $75,300,200 – $50,000,000 ==> Result = $25,300,200

(3) Multiply by 0.00138 ==> $25,300,200 x 0.00138 ==> $34,914.28 ==> Result = $34,914

(4) Add $121,995 ==> $34,914 + $121,995 ==> Final Result = $156,909

Example 7:

(1) Policy is $151,250,300

(2) Subtract $100,000,000 ==> $151,250,300 – $100,000,000 ==> Result = $51,250,300

(3) Multiply by 0.00124 ==> $51,250,300 x 0.00124 ==> $63,550.37 ==> Result = $63,550

(4) Add $190,995 ==> $63,550 + $190,995 ==> Final Result = $254,545

 

For more information contact: Title@tdi.texas.gov

Last updated: 02/26/2020