Formula: Texas Title Insurance rates are set by the Texas Department of Insurance. The basic rate for owner's policy is $5.75 per $1,000 for the first $100,000, $5.00 per $1,000 for next $100,000, $4.75 per $1,000 for next $100,000, $4.25 per $1,000 for next $100,000, and $4.00 per $1,000 for amounts over $400,000. Lender's policy is typically $2.50 per $1,000. Simultaneous issue discount applies when both policies are issued together (owner's policy full rate, lender's policy reduced rate).