Title Insurance Rates

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Title Insurance Rates For All States

See the Bills.com article Title Insurance to learn the basics of title insurance. The list below describes the general rules for each state. The key fact to look for is whether your state allows insurance companies to compete on price, or if prices are set by the state.

  Title Insurance Fee Regulation Title Search Required Before Policy Is Issued Typical Fee /$1,000 Home Value Homeowner & Lender State Statutes
State-By-State Title Insurance Fees & Laws
Alabama Filed and deemed approved, if not disapproved within 60 days Yes $4.00 - $5.50 Ala. Code § 27-25-6(1975); Ala. Code § 27-3-7(1975); Ala. Code § 27-25-4(1975)
Alaska Prior approval by state Yes $4.50 AS 21.66.390-410. 3 AAC 27.301-399; AS 21.27.010 et seq.; AS 21.66.270; AS 21.27.150(2)
Arizona File rate with state Yes $7.30 ARS §§ 20-375 and 20-376.; ARS §§ 20-1561 through 20-1563
Arkansas Rates not regulated Yes $3.50 - $3.70 Ark. Code Ann. § 23-103-401 et seq.
California File rate with state No $5.70 - $11.20 CIC 12401 ? 12401.10, 12404 ? 12413.5; CIC 699 et seq; CIC 12389 et seq
Colorado File rate with state Yes $5.90 - $8.90 CRS §10-11-118; §10-2-401
Connecticut Prior approval by state Yes $4.00 38a-419
Delaware File rate with state Not applicable $6.00 18Del.C.cl 25; 18 Del.C.cl 17
District of Columbia Rates not regulated Not applicable $11.50  
Florida State-set rates Yes $5.75 - $6.00 FS §877.101, §627.782 and 627.783, §69O-186.003 and 69O-186.004; Chapter 626, Part V; Chapter 624, Part III; Chapter 626, Part V
Georgia Rates not regulated Yes $4.75 - $5.50 O.C.G.A. Secs. 33-23-1 et seq.
Hawaii Rates not regulated Not applicable $4.85  
Idaho Rates are filed 30 days prior to use Yes $2.56 Idaho Code Title 41 Chapter 27
Illinois Rates not regulated Yes $3.75 215 ILCS 155/19; 215 ILCS 155/3; 155/4; 155/16; 155/17
Indiana Rates not regulated Yes $7.50  
Iowa State-run program Not applicable $1.10 Iowa Code §515.48(10)(2009)
Kansas File rate with state Yes $3.35 K.S.A. 40-952(c); K.S.A. 40-4903
Kentucky File rate with state No $5.50 KRS 304.22-020
Louisiana Filed and deemed approved if no rejection in 45 days Not applicable $7.61 LSA-R.S. 22:1451, et seq.; LSA-R.S. 22:511, et seq.
Maine File rate with state No $5.25 24-A MRSA § 2302(1)(D); 24-A MRSA § 1420, et seq. for agents 24-A MRSA § 404 for insurers
Maryland File rate with state No $6.00 Annotated Code of Maryland, Title 11, Subtitle 4; Title 10, Subtitle 1
Massachusetts Rates not regulated Not applicable $5.75  
Michigan File rate with state No $11.70 MCL 500.7312 and Ch-12 MCL 500.2400-500.2484; MCL 500.7302, MCL 500.7303, MCL 500.7317, CH-12 MCL 500.1200-1247
Minnesota File rate with state Yes $450 Minn. Stat. 70A; 60K.32
Mississippi Prior approval by state Not applicable $4.25 Miss. Code Ann. § 83-2-3; Miss. Code Ann. § 83-15-3
Missouri File & Use if not disapproved within 30 days Yes $3.50 MO 381.171, 381.181, 381.201, 20 CSR 500-7.100; 381.052, 381.058, 381.115, 381.118, 375.014
Montana File rate with state Yes $7.60 33-25-212; 33-17-201;
Nebraska Prior approval by state No $4.30 Neb. Rev. Stat. 44-1997; Neb. Rev. Stat. 44-1982 and 44-19,109
Nevada Prior approval by state Yes $9.72 NRS 692A.120; NRS 692A.100 - NRS 692A.104
New Hampshire File rate with state No $3.50 - $4.75 RSA 412, RSA 416-A; RSA 402-J, RSA 416-A
New Jersey Prior approval by state Yes $5.25 N.J.S.A. 17:46B-41 et. seq.; N.J.S.A. 17:22A-26 et. seq.
New Mexico State-set rates Yes $14.14 59A-30-6 NMSA 1978; 59A-30-3(C),(D),(E) NMSA 1978; 59A-30-3(G),(I) NMSA 1978; 13.14.2 NMAC
New York Prior approval by state Not applicable $7.70 - $14.50 Article 23 Article 64
North Carolina File rate with state Yes $2.95 - $4.00 NCGS 58-40-15; NCGS 58-26-10
North Dakota Prior approval for initial filing Yes $3.75 North Dakota Century Code 26.1-25; 26.1-20
Ohio Prior approval by state Yes $6.75 Ohio Revised Code 3935.03; ORC 3905.02, 3953.01, 3953.21
Oklahoma Rates not regulated Yes $5.30 36 O.S. §1435.8(A)(9); 36 O.S. §5001(A)
Oregon Prior approval by state Yes $7.67 ORS 737.310, ORS 737.320, ORS 737.230; ORS 744.053, ORS 744.086
Pennsylvania File rate with state Yes $3.52 - $9.00  
Rhode Island File rate with state No $4.00 R.I. Gen. Laws §27-9-7; §27-1, §27-2, §27-2.4
South Carolina Prior approval by state Yes $4.30 SDCL Title 58-25; SDCL Title 36-13
South Dakota Prior approval by state Yes $7.06  
Tennessee Prior approval by state, varies by county Yes $3.60 - $7.30 Chapter 35 of Title 56 and TN Rule 0780-1-12; Chapter 6 of Title 56
Texas State-set rates Not applicable $9.43 Texas Insurance Code §2703; §2651, §2652
Utah File rate with state Yes $10.88 R592-3 and 4; 31A-23a-103
Vermont File rate with state Not applicable $5.60  
Virginia Rates not regulated Yes $5.40 38.2-4608; 38.2-1822, 1814.1
Washington File rate with state No $9.71 RCW 48.29.140; RCW 48.29.147; RCW 48.05.030; RCW 48.17.060
West Virginia File rate with state Yes $4.40 W. Va. Code 33-20-3(e); W. Va. Code 33-3-1 et seq.; W. Va. Code 33-12-1 et seq.; W. Va. Code 33-12B-1 et seq.
Wisconsin File rate with state No $10.15 Wis. Stat. s. 625, & s. Ins 3.32, Wis. Adm. Code; Wis. Stat. 610.11; 628.03
Wyoming Prior approval by state Yes $8.33 W.S. 26-23-325; 26-23-316
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1 Comments

1500 characters remaining
  • SS
    Dec, 2012
    Stanley
    Chicago, IL
    This list of title insurance rates is just awesome.
    1 Votes

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