Can my insurer cancel or non-renew my car policy, and how much notice do I get?

Two different things get mixed up here, and the deadlines differ. Cancellation means you or the company stops the cover before the policy's end date. In Texas a company must give you 10 days' notice before it cancels. In the first 60 days it may cancel for any reason, unless that reason breaks a law. After that it may cancel at any time for three things: you stop paying, you file a fraudulent claim, or a driver's licence or car registration in your household is suspended or revoked [1].

Non-renewal means it refuses to renew when the policy expires. Your company must give you the reason if you ask. It must give 60 days' notice if you bought or renewed in 2024 — unless you did not cooperate in a liability claim. For a policy bought or renewed in 2023 or earlier, it is 30 days [1]. One protection people do not know. A company can non-renew only after the policy has been in effect 12 months. So if you bought a six-month policy, it cannot refuse to renew at the six-month mark; it must renew you to a full 12 months [1].

And the right to an answer. If you ask, a company must tell you in writing why it turned you down, cancelled, or did not renew. You may also complain to the state if you think it did so improperly [1].

What it costs. The page quoted here prints no premium figure for a cancellation or a non-renewal [1]. What a gap in cover does to your next price is not in it either, so we print no number.

Read the quoted auto guide at tdi.texas.gov, and check your own state's notice days, which may differ.