Can I move out of TAIPA to a cheaper policy in Texas?

Can I move out of TAIPA to a cheaper policy in Texas?

The Texas Department of Insurance (TDI) describes a way out of TAIPA, the Texas Automobile Insurance Plan Association, for a TAIPA insured in Texas. TDI sets one condition, which is a clean record: no tickets or accidents for 3 years¹. TDI says that when the condition is met, the insurance company of the TAIPA insured must offer a cheaper policy outside of TAIPA.¹ According to TDI, the duty to make the offer falls on that insurance company, and the policy it must offer is one outside of TAIPA. TDI does not state the amount of the saving, and it does not say how the price is set. TDI’s statement on the clean record reads:

If you don’t have any tickets or accidents for three years, your insurance company must offer you a cheaper policy outside of TAIPA.

What does a TAIPA policy include before a move?

Feature	What the sources say
Coverages sold	TDI says TAIPA sells liability, personal injury protection and uninsured/underinsured motorist coverages. It does not sell collision or comprehensive coverage or higher liability limits than state law requires.1
Policy length	TAIPA says only annual policies are available through the plan.2

What the sources do not state

TDI’s statement does not say what coverage the outside policy carries or what happens if the record is not clean for the full period. It also does not say whether the insured must ask for the offer, or how a TAIPA policy ends when a new one starts.

Next step

TDI publishes the statement on its consumer page about the Texas Automobile Insurance Plan Association. The site also has a filing lookup tool.