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A combined set of 7 GEICO filings adds up to a roughly 0.95% average increase, affecting more than 1.6 million Texas drivers.
GEICO is raising auto insurance rates in Texas. This GEICO Texas rate action raises premiums for policyholders across the state with renewals effective in 2026. Across 7 separate filings, the company is adding an average of +0.946851% to premiums, which works out to about $29 more per year for the typical driver.
The average premium moves from $2,155 to $2,209. Not every driver sees the same bump, and not every filing is a straight-up increase. One companion filing actually cuts rates by 2.4%, and three filings carry a 0% rate change but still shift premium dollars around the book.
Taken together, these filings add $47,047,321 in annual written premium across Texas, spread over roughly 1,625,222 policyholders. GEICO is one of the largest private passenger auto carriers in the country and holds a major share of the Texas market, which makes a filing of this scale worth paying attention to. The earliest effective date in this group of filings is 2023-10-29, meaning many Texas GEICO drivers have already seen this change hit their renewal bill.
If you haven’t renewed yet, the new rate applies at your next renewal. You don’t need to do anything to trigger it; it happens automatically. The good news is you can shop around at any time, not just at renewal.
A $29 annual difference sounds small, but it’s a signal worth acting on if your premium has been creeping up across multiple renewals. Shopping now takes about 15 minutes and could save you far more than $29.
Average annual premium for affected drivers
| Current average | $2,155 |
|---|---|
| After rate change | $2,209 |
| Annual increase | +$54 (+2.5%) |
Source: GECC-134422377.pdf, p. 7
Aggregated across 5 merged filings.
What’s Changing in the GEICO Texas Rate Increase
GEICO filed 7 rate actions in Texas that together reshape how much the company collects from its Texas auto customers. The primary filing carries a +0.946851% overall rate change, but that headline number is the aggregate result of a more complicated set of moves underneath.
This GEICO Texas rate action raises premiums for policyholders across the state with renewals effective in 2026.
Two of the companion filings push rates up in a meaningful way. One adds 5.2% for a group of 69,067 policyholders, generating $7,503,025 in additional written premium. That filing became effective on 2025-07-13.
A second companion applies a +3.2% change to 92,485 policyholders, adding $5,317,858 in premium, also effective 2025-07-13. Together, those two filings alone account for more than $12.8 million of the total increase.
On the other side of the ledger, one filing cuts rates by 2.4% for 127,586 policyholders, reducing written premium by $1,567,859. That change became effective 2024-07-14. If you’re in that segment, your rate went down, not up.
Three filings in the group carry a 0% rate change. One covers 815,028 policyholders and still shifts $4,555,936 in written premium, effective 2023-10-29. A second zero-rate filing covers 53,512 policyholders with no premium change, effective 2025-02-23. A third covers 26,822 policyholders, also with no rate or premium change, effective 2025-03-20.
The combined result across all 7 filings: a net addition of $47,047,321 in annual written premium affecting 1,625,222 Texas drivers. The rate changes span from 2023 through mid-2025, so the timing of when your renewal hits the new rate depends on which segment of the book you’re in and when your policy renews.
What This Means for You
The average GEICO Texas driver is looking at about $29 more per year, moving from an average annual premium of $2,155 to $2,209. That shakes out to roughly $2.40 more per month. For most drivers, that’s not a budget-breaker on its own. But it matters in context.
Texas auto insurance is already among the more expensive in the country. An average annual premium of $2,155 is well above the national average, and when rates creep up even modestly across multiple renewals, the cumulative effect adds up fast.
Your actual dollar impact depends heavily on which filing covers your policy and what coverage tier you carry. If your policy falls under the companion filing with the 5.2% increase, and you’re carrying full coverage, you could see a noticeably larger hit than the $29 average. A driver with a higher-than-average premium in that segment could be looking at $100 or more per year. On the flip side, if your policy falls under the 2.4% rate cut, your premium actually went down, and you may already have seen that savings at your last renewal.
Drivers with a clean record typically sit at or below the average premium. A recent accident or ticket can push your premium well above $2,209, so the percentage increase translates into more real dollars the higher your base rate is.
Full-coverage drivers carry more premium than liability-only drivers, which means a 3% or 5% increase hits harder in absolute dollars. If you’re carrying comprehensive and collision on an older vehicle, this is a good time to check whether that coverage still makes financial sense given your car’s current value.
The effective dates in these filings range from late 2023 through mid-2025. If you’re approaching a renewal in 2025, the higher rates are already in play. GEICO applies the new rate automatically at renewal; you don’t have to take any action for the change to kick in.
How GEICO Compares
GEICO is one of the two or three largest private passenger auto insurers in Texas and in the country. As part of the Berkshire Hathaway family, it has the financial scale to absorb short-term loss ratios and can price more aggressively than smaller regional carriers. That scale has historically made GEICO a go-to option for drivers seeking below-average premiums. But a net rate increase of nearly 1% added on top of an already-elevated Texas market tells a story about where loss costs in this state are heading.
Texas has seen broad rate pressure across most major carriers over the past two years. Severe weather events, high repair costs, and elevated medical costs from auto accidents have pushed insurers to re-examine their Texas books. GEICO’s filings here fit that pattern. The 5.2% increase on one segment and the 3.2% on another suggest GEICO is repricing specific risk segments more aggressively, while the 2.4% cut on another segment shows the company is also trying to attract or retain lower-risk drivers.
Progressive and State Farm are GEICO’s two closest Texas competitors by market share. Both have also filed rate increases in Texas in the current rate environment. Progressive has been particularly active in adjusting rates by risk tier, similar to what GEICO is doing across these 7 filings.
State Farm leans more heavily on agent relationships and bundling discounts, which can offset rate increases for multi-policy customers. Allstate is also a major Texas player and has pushed through its own increases over the same period.
The key takeaway for you as a GEICO driver: GEICO is not dramatically out of line with the broader market right now, but it is raising rates in Texas. Competitors are too. That means staying loyal without checking is a mistake.
Getting quotes from at least two or three competitors costs nothing and takes minutes. The $29 average increase isn’t the number to focus on, the question is whether $2,209 is still competitive for your specific driver profile.
How to Save on Insurance
If you renew with GEICO after the applicable effective date in your filing segment, your premium goes up. For most Texas GEICO drivers, that means paying around $2,209 per year instead of $2,155. Here’s what to do about it.
Shop before your next renewal. The two companion filings with the 5.2% and 3.2% increases hit specific driver segments harder than the average. If you’re in one of those segments, your increase is larger than $29, and shopping now could recover more than just this year’s bump.
Check whether you’re in the rate-cut segment. One filing reduced rates by 2.4% for 127,586 Texas drivers. If your premium dropped at your last renewal, that’s GEICO competing for your business. It’s still worth getting a comparison quote, but you’re in a better position than the average.
Re-rate your coverage level. If you’re carrying full coverage on a vehicle that’s more than eight or ten years old, your collision and comprehensive premiums may be costing more than the coverage would pay out. Dropping to liability-only on an older car can cut your premium significantly, regardless of what GEICO’s rate filings say.
Use the IRG carrier comparison guide before you call anyone. GEICO’s own review page shows where it tends to price well and where it doesn’t, by driver profile. Knowing that before you shop saves time.
Sources
– GEICO Texas County Mutual Insurance Company, GECC-134422377, (GECC-134422377.pdf)
– GEICO Texas County Mutual Insurance Company, GECC-134522000, (companion), (GECC-134522000.pdf)
– GEICO Texas County Mutual Insurance Company, GECC-134522456, (companion), (GECC-134522456.pdf)
– GEICO Texas County Mutual Insurance Company, GECC-134043909, (companion), (GECC-134043909.pdf)
– Multiple, GECC-133750766, (companion), (GECC-133750766.pdf)
– GEICO Texas County Mutual Insurance Company, GECC-134186013, (companion), (GECC-134186013.pdf)
– Multiple, GECC-134325035, (companion), (GECC-134325035.pdf)