Texas Insurance Code - INS § 2251.051. Excessive, Inadequate, and Unfairly Discriminatory Rates

(1) the rate is insufficient to sustain projected losses and expenses to which the rate applies;  and

(2) continued use of the rate:

(1) is not based on sound actuarial principles;

(2) does not bear a reasonable relationship to the expected loss and expense experience among risks;  or

(3) is based wholly or partly on the race, creed, color, ethnicity, or national origin of the policyholder or an insured.