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  • Texas is one of only three states allowed to fix the rates charged for title insurance.
  • Current law does not allow a consumer to shop around for the best rate or policy.
  • Insurers are prohibited from offering lower rates or discounts.
  • Texas has among the highest rates charged for title insurance in the nation.
  • On a per-policy basis, price fixing adds from $292 (in 2001 dollars) to $1,663 (in 2016 dollars) in costs for the average purchaser of title insurance policies of $1 million dollars or less.
  • Setting rates forces expenses to be set high to account for inefficient insurers.
  • Setting rates eliminates any opportunity for price competition.
  • The absence of competition makes the purchase of property more difficult and expensive.