United States · Closing costs
Title insurance cost by state.
Texas and Florida regulate the premium, and New Mexico promulgates its rates. Pick a state, enter the policy amount, and get the premium from the official rate rules.
Policy details
Premium only, from the state rate rules. Escrow, search, closing and endorsement charges are separate. Texas amounts below $25,000 are not on the chart.
Result
Fill the form and press Calculate.
Who sets the price of title insurance
Title insurance is a one-time premium paid for a policy at closing. In most of the country the premium is part of a bundle of closing charges, but in a few states the price of the policy itself is set by the state. Three official sources read for this page say so:
- Texas. The Texas Department of Insurance publishes the Title Rate Chart (effective March 1, 2026), with a basic premium table and formula.
- Florida. Florida Administrative Code rule 69O-186.003 lists the "risk rate premiums to be charged by title insurers in this state."
- New Mexico. The Office of the Superintendent of Insurance publishes the "Table of the Promulgated Title Insurance Forms with the Corresponding Rates" (adopted June 27, 2025) and says it regulates through ratemaking and rule-making hearings held once every three years.
For the other states, TNAADO did not read an official source on how the rate is set, so this page does not guess. A quote from your title company or your state insurance department is the right check there.
Texas: how the owner's premium works
Up to $100,000 you read the premium off a table in $500 steps (the table is headed "Policy Face Amount Up to and Including," so $62,400 takes the $62,500 step, $545). Above $100,000 the chart gives a formula: subtract the band's lower figure, multiply by the band's factor, round to the nearest dollar, add the band's base.
| Policy amount | Subtract | Multiply by | Add |
|---|---|---|---|
| $100,001 to $1,000,000 | $100,000 | 0.00494 | $780 |
| $1,000,001 to $5,000,000 | $1,000,000 | 0.00406 | $5,226 |
| $5,000,001 to $15,000,000 | $5,000,000 | 0.00335 | $21,466 |
| $15,000,001 to $25,000,000 | $15,000,000 | 0.00238 | $54,966 |
| $25,000,001 to $50,000,000 | $25,000,000 | 0.00143 | $78,766 |
| $50,000,001 to $100,000,000 | $50,000,000 | 0.00129 | $114,516 |
| Over $100,000,000 | $100,000,000 | 0.00116 | $179,016 |
The calculator reproduces the Department's own examples: $268,500 gives $1,612 and $4,826,600 gives $20,762. For a loan policy issued at the same time as the owner's policy, Rate Rule R-5.1 charges $100 per loan policy when the loan does not exceed the owner's amount. For closings after September 30, 2026 the Department also lists a $3 guaranty fee per policy.
Florida: how the premium works
Florida prices by the thousand dollars of liability, in tiers: $5.75 per thousand up to $100,000, then add $5.00 per thousand up to $1 million, $2.50 to $5 million, $2.25 to $10 million and $2.00 above that. The rule counts any fraction of $100 as a full $100 and sets a $100 minimum premium. The owner's policy is to be issued for the full insurable value of the premises. A simultaneously issued mortgage policy is a minimum $25 for an amount not above the owner's policy, and any amount above the owner's policy is priced at the regular mortgage rates (not calculated here). The rule's history note ends at an amendment on 1-27-02 on flrules.org; the text was read from the Cornell Legal Information Institute copy, so check it against the current code.
Worked example: the same price, two states (hypothetical purchases)
| Policy amount | Texas | Florida |
|---|---|---|
| $200,000 | $1,274 | $1,075 |
| $300,000 | $1,768 | $1,575 |
| $500,000 | $2,756 | $2,575 |
| $750,000 | $3,991 | $3,825 |
| $1,000,000 | $5,226 | $5,075 |
- Texas, $500,000 with a $400,000 loan: owner's $2,756, loan policy $100 and two $3 guaranty fees, $2,862 in all.
- Florida, $500,000: $575 on the first $100,000 plus $2,000 on the next $400,000, $2,575.
Common mistakes and edge cases
Common mix-ups and edge cases
- Calling the premium the whole closing cost. Search, examination, escrow and closing charges, and endorsements, are priced separately. New Mexico's table lists a condominium endorsement at $25, for example.
- Using the loan amount for the owner's policy. The owner's policy is written on the property's value; the loan policy follows the loan.
- Forgetting the step rule in Texas. Under $100,000 an in-between amount takes the next step up.
- Assuming a lender policy is cheap everywhere. The $100 simultaneous charge is Texas-specific and applies only within the stated conditions. In Florida the simultaneous mortgage figure is $25 and only up to the owner's amount.
- Reissue and refinance discounts. Both Texas and Florida publish them (Florida lists reissue rates of $3.30 per thousand to $100,000); this page does not calculate them.
Who this is for, and what it does not cover
Buyers, agents and attorneys in Texas and Florida who want the regulated premium before reading a closing estimate. It does not cover reissue or refinance rates, endorsements, commercial policies or states other than Texas and Florida (New Mexico is described, not calculated). For other closing costs see the transfer tax calculator by state, the New York mansion tax calculator, the VA entitlement calculator and the VA funding fee calculator.
Sources
- Texas Department of Insurance: Title Basic Premium Rates (March 1, 2026) — owner premium table and formula
- Texas Department of Insurance: Rate Rule R-5 — simultaneous owner and loan policies
- Texas Department of Insurance: Title insurance — rate chart dates, Order 2025-9697, $3 guaranty fee
- Fla. Admin. Code 69O-186.003 (Cornell LII) — Florida rate tiers, rounding, minimums, simultaneous issue
- Florida Administrative Rules: 69O-186.003 — rule history note
- New Mexico OSI: title insurance forms and tables — promulgated forms and rates
- New Mexico promulgated title insurance table (adopted June 27, 2025) — table of premiums and charges
- New Mexico OSI: title insurance — one-time fee
Every source above was opened on 20 October 2026 (retrieved October 2026). Agencies revise rates and forms, so confirm anything that affects a closing against the current official page.
Frequently asked questions
How much does title insurance cost in Texas?
The Texas Department of Insurance sets the basic premium. For a $500,000 owner's policy on a purchase closing under the chart effective March 1, 2026, the premium is $780 plus $0.00494 per dollar above $100,000, which is $2,756. A simultaneous loan policy for $400,000 adds $100, and the Texas Title Insurance Guaranty Association fee adds $3 per policy for closings after September 30, 2026.
How much does title insurance cost in Florida?
Florida rule 69O-186.003 sets $5.75 per thousand of liability up to $100,000, then $5.00 per thousand up to $1 million. A $500,000 owner's policy is $575 plus $2,000, which is $2,575. The minimum premium is $100. Search, examination and closing charges are separate.
Which states set title insurance rates by regulation?
Texas, Florida and New Mexico each publish the rate in an official source read for this page: the Texas Department of Insurance rate chart, Florida Administrative Code rule 69O-186.003, and the New Mexico Office of the Superintendent of Insurance promulgated rate table. TNAADO did not read an official source on the rate-setting method for the other states, so it makes no claim about them. Check your state insurance department.
Is the Texas title insurance rate changing?
The Texas Department of Insurance lists a Title Rate Chart effective March 1, 2026 (Commissioner's Order 2025-9697), which follows the chart effective September 1, 2019. It also lists a $3 guaranty fee per policy for closings after September 30, 2026.
What does a lender's title policy cost with an owner's policy in Texas?
$100 per loan policy when the policies are issued at the same time, cover the same land, and the loan amount does not exceed the owner's policy amount, under Rate Rule R-5.1. If the loan is larger, the premium is the basic rate on the combined loan amounts minus the basic rate on the owner's amount, plus $100 per loan policy.
Do I pay title insurance every year?
No. The New Mexico Office of the Superintendent of Insurance describes title insurance as a one-time fee, and the premiums computed here are one-time premiums for a policy.
Why does the Texas chart round up between steps?
Up to $100,000 the Texas chart lists $500 steps and is headed 'Policy Face Amount Up to and Including,' so an amount between two steps takes the next step up. Above $100,000 the premium is computed with a formula and rounded to the nearest dollar.
Does New Mexico have a title insurance calculator here?
No. New Mexico promulgates its premiums, and the schedule of basic premium brackets is in Appendix A of the table. The PDF text read for this page did not include the bracket values, so this page gives no New Mexico premium figure rather than guess.
Who this is for, and what it does not cover
Buyers, agents and attorneys in Texas and Florida who want the regulated premium before reading a closing estimate. It does not cover reissue or refinance rates, endorsements, commercial policies or states other than Texas and Florida (New Mexico is described, not calculated). For other closing costs see the transfer tax calculator by state, the New York mansion tax calculator, the VA entitlement calculator and the VA funding fee calculator.
Frequently asked questions
How much does title insurance cost in Texas?
The Texas Department of Insurance sets the basic premium. For a $500,000 owner's policy on a purchase closing under the chart effective March 1, 2026, the premium is $780 plus $0.00494 per dollar above $100,000, which is $2,756. A simultaneous loan policy for $400,000 adds $100, and the Texas Title Insurance Guaranty Association fee adds $3 per policy for closings after September 30, 2026.
How much does title insurance cost in Florida?
Florida rule 69O-186.003 sets $5.75 per thousand of liability up to $100,000, then $5.00 per thousand up to $1 million. A $500,000 owner's policy is $575 plus $2,000, which is $2,575. The minimum premium is $100. Search, examination and closing charges are separate.
Which states set title insurance rates by regulation?
Texas, Florida and New Mexico each publish the rate in an official source read for this page: the Texas Department of Insurance rate chart, Florida Administrative Code rule 69O-186.003, and the New Mexico Office of the Superintendent of Insurance promulgated rate table. TNAADO did not read an official source on the rate-setting method for the other states, so it makes no claim about them. Check your state insurance department.
Is the Texas title insurance rate changing?
The Texas Department of Insurance lists a Title Rate Chart effective March 1, 2026 (Commissioner's Order 2025-9697), which follows the chart effective September 1, 2019. It also lists a $3 guaranty fee per policy for closings after September 30, 2026.
What does a lender's title policy cost with an owner's policy in Texas?
$100 per loan policy when the policies are issued at the same time, cover the same land, and the loan amount does not exceed the owner's policy amount, under Rate Rule R-5.1. If the loan is larger, the premium is the basic rate on the combined loan amounts minus the basic rate on the owner's amount, plus $100 per loan policy.
Do I pay title insurance every year?
No. The New Mexico Office of the Superintendent of Insurance describes title insurance as a one-time fee, and the premiums computed here are one-time premiums for a policy.
Why does the Texas chart round up between steps?
Up to $100,000 the Texas chart lists $500 steps and is headed 'Policy Face Amount Up to and Including,' so an amount between two steps takes the next step up. Above $100,000 the premium is computed with a formula and rounded to the nearest dollar.
Does New Mexico have a title insurance calculator here?
No. New Mexico promulgates its premiums, and the schedule of basic premium brackets is in Appendix A of the table. The PDF text read for this page did not include the bracket values, so this page gives no New Mexico premium figure rather than guess.
Sources
- Texas Department of Insurance: Title Basic Premium Rates (March 1, 2026) — owner premium table and formula
- Texas Department of Insurance: Rate Rule R-5 — simultaneous owner and loan policies
- Texas Department of Insurance: Title insurance — rate chart dates, Order 2025-9697, $3 guaranty fee
- Fla. Admin. Code 69O-186.003 (Cornell LII) — Florida rate tiers, rounding, minimums, simultaneous issue
- Florida Administrative Rules: 69O-186.003 — rule history note
- New Mexico OSI: title insurance forms and tables — promulgated forms and rates
- New Mexico promulgated title insurance table (adopted June 27, 2025) — table of premiums and charges
- New Mexico OSI: title insurance — one-time fee
Every source above was opened on 20 October 2026 (retrieved October 2026). Agencies revise rates and forms, so confirm anything that affects a closing against the current official page.
Estimate only
Educational estimate of the regulated premium, not an insurance quote. Your title company's closing disclosure controls the actual charges.