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The cimarron texas rate filing affects Texas drivers across this carrier book.
About 6,467 Texas drivers will pay an average of $140 more per year starting with policies renewing on or after April 4, 2025.
Cimarron Insurance Company, Inc. is raising auto insurance rates in Texas by 13%, with the new rates taking effect on policies renewing on or after April 4, 2025. The increase affects 6,467 policyholders across the state and adds roughly $903,322 in total annual premium to the book. For the average Cimarron driver, that works out to about $140 more per year, pushing the typical premium from $1,086 up to $1,226.
The reason for the increase, according to the filing, comes down to rising claim costs. Like most carriers operating in Texas, Cimarron points to higher costs for parts, labor, and medical expenses as the main pressure behind the change. Texas has been one of the more expensive auto insurance markets in the country over the past few years, and carriers have been responding with successive rate filings.
If your policy renews on or after April 4, 2025, your next bill will reflect the new rate. If you renewed before that date, you likely have until your next renewal to see the change. Either way, now is a good time to compare rates.
Shopping your coverage before your renewal date is the single most effective way to offset this kind of increase. Drivers who shop around often find savings of $200 or more per year, which more than covers the increase Cimarron is filing.
Average annual premium for affected drivers
| Current average | $1,086 |
|---|---|
| After rate change | $1,226 |
| Annual increase | +$140 (+12.9%) |
Source: MILE-134407306.pdf, p. 6
What the Cimarron Texas Rate Filing Actually Changes
Cimarron Insurance Company, Inc. filed a 13% average rate increase with Texas Texas regulators for its personal auto book. The new rates apply to policies with a renewal effective date on or after April 4, 2025. A total of 6,467 policyholders are affected, and the change adds $903,322 in annual written premium across the book.
Before this filing, the average Cimarron premium in Texas sat at $1,086 per year. After the increase, that average climbs to $1,226. The before-and-after figures are laid out in the comparison table near the top of this article.
The 13% figure is an average across the full book. Your personal rate change depends on your individual rating factors, including your vehicle, your zip code, your coverage levels, and your driving history. Some drivers will see a smaller bump.
Others could see more. But the filing shows the direction is the same for everyone: up.
Texas has been one of the most active states for personal auto rate filings over the past several years. Inflation drove up the cost of auto parts and repair labor sharply starting in 2022, and those costs have not fully come back down. Medical costs tied to injury claims have also stayed elevated.
Carriers across the state have been filing successive increases to bring their rates in line with what they’re actually paying out in claims. Cimarron’s April 2025 filing is part of that broader pattern in the Texas market.
If your renewal date falls on or after April 4, 2025, this increase applies to you. If it falls before that date, you get one more renewal at the old rate before the change takes hold. The time to act is before your renewal notice arrives, not after.
What This Means for You
The math is straightforward. The average Cimarron driver in Texas is paying $1,086 per year right now. After April 4, 2025, that same driver pays about $1,226, an increase of roughly $140 per year, or about $11.67 more per month.
That said, the $140 average hides a range. Drivers who carry full coverage, meaning both collision and comprehensive on top of liability, will see a larger dollar increase because they’re starting from a higher base premium. A full-coverage driver paying $1,600 per year before the increase could see their bill go up by more than $200 annually. A liability-only driver paying $700 per year would likely see a smaller dollar increase, though the same 13% percentage applies to both.
Your recent claims history also matters. Drivers with a clean record typically get the most favorable base rate to begin with. If you’ve had a claim or a violation in the past three years, your starting premium is already higher, which means the 13% increase lands harder in dollar terms.
Where you live in Texas also plays a role. Urban drivers in the Dallas-Fort Worth metroplex, Houston, or San Antonio tend to pay more for auto insurance than rural drivers, partly because of higher traffic density and higher claim frequency. A 13% increase on a higher urban base premium means a bigger dollar hit than the same percentage on a lower rural premium.
The bottom line is this: if you’re an average Cimarron driver, you’re looking at about $140 more per year when your policy renews on or after April 4, 2025. That’s savings, and it’s worth taking an hour to see whether another carrier can beat Cimarron’s new rate before your renewal date arrives.
How Cimarron Insurance Company, Inc. Compares
Cimarron Insurance Company, Inc. is a smaller regional carrier operating in Texas, which means most drivers won’t find their name at the top of a national ad campaign. Compared to the largest personal auto insurers in the state, Cimarron’s book of 6,467 affected policyholders is a fraction of what the big national players carry. That smaller scale matters because it means Cimarron has less ability to absorb claim cost volatility across a large pool of policyholders. When claim costs rise, a smaller carrier often needs to file steeper rate corrections.
State Farm is the largest personal auto insurer in Texas by market share. Like Cimarron, State Farm has filed multiple rate increases in Texas over the past two years in response to the same inflation pressures driving this filing. State Farm’s rate increases have varied by filing, but the direction has been consistent with the broader market.
Progressive has also been active in the Texas rate filing environment. Progressive tends to use telematics data more aggressively than many competitors, which can create meaningful savings for drivers with low mileage or safe driving habits. If you haven’t tried a usage-based program, it’s worth checking what Progressive’s Snapshot or a similar program might price your risk at.
GEICO is another major Texas competitor. GEICO typically competes on price for drivers with clean records and is worth getting a quote from, especially if you haven’t shopped the market in more than a year.
The key takeaway on comparisons is this: Cimarron’s 13% increase brings the average premium to $1,226. Whether that number is competitive depends on your specific profile. The only way to know is to get quotes from two or three other carriers before your April renewal date.
For a wider look at Texas auto insurance, see our Texas Car Insurance Guide.
The Cimarron Texas rate change reflects the carrier’s recent claim experience in the state. Drivers facing the Cimarron Texas rate update should compare three to five carriers before renewal. Key takeaway: the Cimarron Texas rate move is a signal to shop the market this year.
The cimarron texas rate change reflects the carrier’s loss experience in the Texas market over the past year. For drivers affected, the cimarron texas rate adjustment is a clear signal to compare quotes before renewal. Industry data on the rate adjustment environment suggests broader pressure on Texas auto insurance pricing.
How to Save on Insurance
If your Cimarron policy renews on or after April 4, 2025, your premium goes up an average of $140 per year. Here’s what you can do about it.
- Shop before your renewal date. That’s the most important step. Once your policy renews at the new rate, you’ve already paid the first month at the higher price.
- Get quotes from at least two or three other carriers before the renewal notice hits. Progressive, GEICO, and State Farm all write personal auto in Texas and are worth comparing against Cimarron’s new $1,226 average.
- Check your coverage levels. If you’re carrying full coverage on an older vehicle, the math may no longer work in your favor. A general rule of thumb is that if your annual premium for collision and comprehensive exceeds 10% of your car’s actual cash value, dropping to liability-only might make financial sense. Run those numbers before your renewal.
- Ask about a telematics discount. Several major carriers offer usage-based programs that track your driving habits and reward safe drivers with lower rates. If you drive fewer miles than average or avoid hard braking and late-night driving, a telematics program could offset some or all of the increase you’d face staying with Cimarron.
- Bundle your policies if you haven’t already. Drivers who carry home or renters insurance with the same carrier often get a multi-policy discount that can reduce the net cost of auto coverage.
For more on how to shop for car insurance in Texas, see IRG’s guide to finding the best auto rates in your state. Read the full shopping guide here.
Sources
– Cimarron Insurance Company, Inc. — MILE-134407306 — (MILE-134407306.pdf)
Sources Used
- NAIC, 2023 Auto Insurance Database Average Premium Supplement: content.naic.org
- Insurance Information Institute, Facts + Statistics: Auto insurance: iii.org
- InsuranceRateGuard.com, 2026 quote runs across major U.S. auto carriers.
Fact-checked: 2026-05-16