How much notice must a Texas insurer give before not renewing my car insurance?

The Texas Insurance Code says an insurer must renew a policy at the insured's request unless it mailed written notice of nonrenewal, or of renewal with a change in coverage, not later than 60 days before the policy expires. The bill that changed the notice period applies only to policies delivered, issued for delivery or renewed on or after the date it names.

Texas nonrenewal notice: 60 days, with a policy-date rule

How much notice must a Texas insurer give before not renewing a policy?

The Texas Insurance Code governs when an insurer in Texas must give notice that it is not renewing a policy. The Texas Legislature states that an insurer must renew a policy at the request of the insured unless it mailed written notice of nonrenewal, or of renewal with a change in coverage, not later than 60 days¹ before the date the policy expires.¹ The Texas Legislature also states that an insurer may cancel a personal automobile policy effective on a twelve-month anniversary if it mails written notice to the named insured not later than 60 days³ before the effective date. Part of the nonrenewal rule reads, and the quoted text begins mid-sentence:

not later than the 60th day before the date on which the insurance policy expires, an insurer must renew an insurance policy, at the request of the insured, on the expiration of the policy.
Texas Legislature (Texas Constitution and Statutes)¹

Which Texas policies does the changed notice period apply to?

The bill that changed the notice period includes a rule on which policies it covers. Its text says:

The changes in law made by this Act apply only to an insurance policy that is delivered, issued for delivery, or renewed on or after January 1, 2024.
Texas Legislature (Texas Constitution and Statutes)²

The same bill says a policy delivered, issued for delivery or renewed before that date is governed by the law as it existed immediately before the Act’s effective date, and that law is continued in effect.²

What notice does the Insurance Code state for a nonrenewal or cancellation?

Situation	Notice the Texas Insurance Code states
Nonrenewal of a policy	The insurer must renew at the insured’s request unless it mailed notice not later than 60 days¹ before the policy expires.
Cancellation of a personal automobile policy effective on a twelve-month anniversary of the original effective date	The insurer may cancel if it mails written notice to the named insured not later than 60 days³ before the effective date of the cancellation.

What the sources do not state

The sources used here do not state the notice period for policies delivered, issued for delivery or renewed before the date in the bill.

Next step

The Texas Legislature publishes the Texas Insurance Code text. The filing lookup tool is where to look up filing details for a situation.