Non-renewal is different from cancellation. Your insurer agrees to honor the current term but declines to write the next one. Texas Insurance Code §551.105 governs the notice and reasons.
Required notice
At least 30 days written notice before the policy expiration date, sent to the named insured's last known address.
Common reasons
- Multiple at-fault accidents
- Significant moving violations
- Claims frequency above carrier guidelines
- Material change in risk (new teen driver, vehicle change, address change to higher-risk ZIP)
- Carrier withdrawal from a class of business
What you cannot be non-renewed for
- Filing an UM/UIM claim when you were not at fault
- First not-at-fault accident
- Single weather-related comprehensive claim in most cases
- Race, ethnicity, or other protected characteristics
What to do when you get notice
- Don't panic — non-renewal is not the same as cancellation
- Shop with an independent agent the day you receive the notice
- Disclose the non-renewal honestly to new carriers — they'll find it anyway
- If you suspect unfair non-renewal, file a TDI complaint
Frequently asked questions
What is the difference between cancellation and non-renewal?
Cancellation ends the policy mid-term. Non-renewal means the insurer honors the current term but won't write the next one.
How much notice must my insurer give before non-renewal?
30 days before the policy expiration date.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.