Monitoring the Session

SB 1643

home and auto rate swings over 10 percent need approval

Died in committee

Verdict: No flags

No flagsInitial review
Sen. Charles SchwertnerRSenate 5

Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to prior approval of certain property and casualty insurance rate increases or decreases.

Caption from analyzed text · version I.

Summary

Up or down, the commissioner signs off first.

The bill requires home and personal auto insurers to get the insurance commissioner's approval before using a new rate that rises or falls by more than 10 percent from their current rate. It touches insurers selling residential property and personal auto coverage, and the Texas Department of Insurance, which must review those filings. On the ground, the old rate stays in place until the new one is approved, and big rate jumps can no longer take effect automatically after 30 days without review. The 30-day automatic approval now stops at a 10 percent increase instead of 12.5 percent, starting with policies issued or renewed on or after January 1, 2026.

Labels

Labels: GOT HALFWAY. Passed the Senate on Apr 23, 2025. Died in the House: left pending in the Insurance committee.

Receipt

The receipt

89R-SB1643 · 2025-02-25

SOLD BY

Sen. Charles SchwertnerRSenate 5

+ 2 coauthors

ITEM

relating to prior approval of certain property and casualty insurance rate increases or decreases.

WHAT IT DOES

Up or down, the commissioner signs off first.

The bill requires home and personal auto insurers to get the insurance commissioner's approval before using a new rate that rises or falls by more than 10 percent from their current rate. It touches insurers selling residential property and personal auto coverage, and the Texas Department of Insurance, which must review those filings. On the ground, the old rate stays in place until the new one is approved, and big rate jumps can no longer take effect automatically after 30 days without review. The 30-day automatic approval now stops at a 10 percent increase instead of 12.5 percent, starting with policies issued or renewed on or after January 1, 2026.

CHARGES

[ ] NONE FOUND

TOTAL

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version S · source

Sources

Fiscal note · version S · April 8, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

HISTORY

  1. Received by the Secretary of the Senate
  2. Filed
  3. Read first time
  4. Referred to Business & Commerce
  5. Scheduled for public hearing on . . .
  6. Considered in public hearing
  7. Testimony taken in committee
  8. Left pending in committee
  9. Considered in public hearing
  10. Vote taken in committee
  11. Reported favorably as substituted
  12. Committee report printed and distributed
  13. Co-author authorized
  14. Placed on intent calendar
  15. Co-author authorized
  16. Rules suspended-Regular order of business
  17. Record vote
  18. Read 2nd time & passed to engrossment
  19. Record vote
  20. Three day rule suspended
  21. Record vote
  22. Read 3rd time
  23. Passed
  24. Record vote
  25. Reported engrossed
  26. Received from the Senate
  27. Read first time
  28. Referred to Insurance
  29. Scheduled for public hearing on . . .
  30. Meeting cancelled
  31. Scheduled for public hearing on . . .
  32. Meeting cancelled
  33. Posting rule suspended
  34. Scheduled for public hearing on . . .
  35. Considered in public hearing
  36. Testimony taken/registration(s) recorded in committee
  37. Left pending in committee
FILED UNDER

No verified beat found.

SIGNED FOR BY

Senate · 25 yea · 5 nay

Sources

Senate: Final passage · Apr 23, 2025. Journal. Published stock for this vote. Snapshot 2026-10-19, Central time.

All floor motions and other positions below.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Charles Schwertner

Donors

Donors report through Texans for Charles Schwertner.

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Jul 1, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Money

Missing data does not establish zero giving. Display amounts are rounded.

Votes4

Senate Apr 23, 2025

Yea
25
Nay
5
Present, not voting
1
Absent
0
Excused
0
Names

Named positions matched to lawmakers. See the journal for unmatched names.

Senate journal

Sources

The bill was read third time and was passed by the following vote: Yeas 25, Nays 5, Present-not voting 1. (Same as previous roll call)

Published stock of positions for this vote, except where marked derived.

  • Yea: 25 (published)
  • Nay: 5 (published)
  • Present, not voting: 1 (published)
  • Absent: 0 (derived from named list)
  • Excused: 0 (derived from named list)

Senate journal. Source snapshot 2026-10-19, Central time.

Senate Apr 23, 2025

Yea
25
Nay
5
Present, not voting
1
Absent
0
Excused
0
Names

Named positions matched to lawmakers. See the journal for unmatched names.

Senate journal

Sources

Senator Schwertner moved that Senate Rule 7.18 and the Constitutional Rule requiring bills to be read on three several days be suspended and that CSSB 1643 be placed on its third reading and final passage. The motion prevailed by the following vote: Yeas 25, Nays 5, Present-not voting 1.

Published stock of positions for this vote, except where marked derived.

  • Yea: 25 (published)
  • Nay: 5 (published)
  • Present, not voting: 1 (published)
  • Absent: 0 (derived from named list)
  • Excused: 0 (derived from named list)

Senate journal. Source snapshot 2026-10-19, Central time.

Senate Apr 23, 2025

Yea
25
Nay
5
Present, not voting
1
Absent
0
Excused
0
Names

Named positions matched to lawmakers. See the journal for unmatched names.

Senate journal

Sources

The bill was read second time and was passed to engrossment by the following vote: Yeas 25, Nays 5, Present-not voting 1. (Same as previous roll call)

Published stock of positions for this vote, except where marked derived.

  • Yea: 25 (published)
  • Nay: 5 (published)
  • Present, not voting: 1 (published)
  • Absent: 0 (derived from named list)
  • Excused: 0 (derived from named list)

Senate journal. Source snapshot 2026-10-19, Central time.

Senate Apr 23, 2025

Yea
25
Nay
5
Present, not voting
1
Absent
0
Excused
0
Names

Named positions matched to lawmakers. See the journal for unmatched names.

Senate journal

Sources

Senator Schwertner moved to suspend the regular order of business to take up for consideration CSSB 1643 at this time on its second reading: CSSB 1643, Relating to prior approval of certain property and casualty insurance rate increases or decreases. The motion prevailed by the following vote: Yeas 25, Nays 5, Present-not voting 1.

Published stock of positions for this vote, except where marked derived.

  • Yea: 25 (published)
  • Nay: 5 (published)
  • Present, not voting: 1 (published)
  • Absent: 0 (derived from named list)
  • Excused: 0 (derived from named list)

Senate journal. Source snapshot 2026-10-19, Central time.

Witnesses15
For
6
Against
7
On
2
Names

For

  • AARP Texas1 registration
  • Self1 registration
  • Self; Auto Body Association of Texas1 registration
  • Texas Appleseed1 registration
  • Texas Consumer Association1 registration
  • Texas Watch1 registration

Against

  • Al Boenker Insurance Agency, Inc1 registration
  • American Property Casualty Insurance Association1 registration
  • Chubb, Inc.1 registration
  • Corebridge Financial1 registration
  • Insurance Council of Texas1 registration
  • National Association of Mutual Insurance Companies1 registration
  • Texas Coalition for Affordable Insurance Solutions1 registration

On

  • Texas Department of Insurance2 registrations
Sources

15 parsed registrations across the loaded witness lists.

Derived stock of witness registrations. Repeated appearances count separately. Organizations and self-representation appear as printed.

Senate witness list. Source snapshot 2026-10-20, Central time.

Fiscal

No significant fiscal implication to the State is anticipated.

LBB estimate · fiscal note version S · source

Sources

Fiscal note · version S · April 8, 2025

No first-year general revenue figure available here.

LBB published estimates · flow over the stated periods.

Source snapshot 2026-10-19, Central time.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas Senate · Filed Feb 25, 2025

05/20/2025 H Left pending in committee

Texas Legislature Online · Introduced · Senate Committee Report · Engrossed

Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.

Coauthors
César BlancoDSenate 29 Mayes MiddletonRSenate 11

House committee · Insurance · Final status: Died in committee

Senate committee · Business & Commerce · Committee vote 10 aye, 0 nay, 1 absent · Out of committee

Subjects

Insurance--Insurers & Agents

Insurance--Motor Vehicles

Insurance--Property & Casualty

Insurance--Reform

INSURANCE RATES

Text

The text as introduced · 435 words

89R9225 SCL-D

By: Schwertner
S.B. No. 1643

A BILL TO BE ENTITLED

AN ACT

relating to prior approval of certain property and casualty

insurance rate increases or decreases.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Subchapter D, Chapter 2251, Insurance Code, is

amended by adding Section 2251.1515 to read as follows:

Sec. 2251.1515. PRIOR APPROVAL OF CERTAIN RATE INCREASES OR

DECREASES. (a) An insurer shall file with the department for the

commissioner's approval a rate for residential property insurance

or personal automobile insurance, supplementary rating

information, and any supporting information in accordance with this

subchapter if the insurer's rate increased or decreased by more

than 10 percent from the insurer's previously filed rate that is in

effect on the date of the filing.

(b) From the date of the filing of the rate with the

department to the effective date of the new rate, the insurer's

previously filed rate that is in effect on the date of the filing

remains in effect.

(c) For purposes of this section, a rate is filed with the

department on the date the department receives the rate filing.

SECTION 2. Section 2251.152(b), Insurance Code, is amended

to read as follows:

(b) Notwithstanding Subsection (a), after a rate filing

required under Section 2251.151 is approved under this subchapter,

an insurer, without prior approval of the commissioner, may use any

rate subsequently filed by the insurer if the subsequently filed

rate does not exceed the lesser of:

(1) 107.5 percent of the rate approved by the

commissioner; or

(2) 110 percent of any rate used by the insurer in the

previous 12-month period.

SECTION 3. Section 2251.153(b), Insurance Code, is amended

to read as follows:

(b) Except as provided by Subsection (c), if a rate has not

been approved or disapproved by the commissioner before the

expiration of the 30-day period described by Subsection (a), the

rate is considered approved and the insurer may use the rate unless

the rate proposed in the filing represents an increase of 10 [ 12.5 ]

percent or more from the insurer's previously filed rate.

SECTION 4. The changes in law made by this Act apply only to

rates for an insurance policy that is delivered, issued for

delivery, or renewed on or after January 1, 2026. Rates for an

insurance policy that is delivered, issued for delivery, or renewed

before January 1, 2026, are governed by the law as it existed

immediately before the effective date of this Act, and that law is

continued in effect for that purpose.

SECTION 5. This Act takes effect September 1, 2025.