State of dealer fees 2026
Dealer fees in Texas: 2026
#46 of 51 for average doc fee
6.8 vehicle-loan complaints per 100k residents in 2025#12 of 51 · 2,151 complaints · CFPB
Soft limit. $225 is presumed reasonable; more requires a cost analysis filed with the state credit regulator. 7 TAC 84.205
- EnforcementThe FTC's case against Asbury's David McDavid stores (Fort Worth, Frisco, Irving) over payment packing and add-ons was withdrawn from adjudication for settlement talks (Sep 2026).Source: FTC: Asbury
- ComplaintsMost CFPB complaints about getting a loan or lease of any state by volume (296 in 2025).Source: CFPB complaints
- Buyers sayA $1,299 required "protection package"; $1,000 of tint, nitrogen and wheel locks; $5,000 to $10,000 markups on 4Runners in Houston.Source: FTC comments · 4Runner6G
Compare nearby and high-fee states
Nearby
- Arkansas $134
- Louisiana $423
- New Mexico $354
- Oklahoma $528
Highest average doc fees
- Florida $912
- Virginia $828
- District of Columbia $800
- Georgia $761
- Maryland $755
Before you sign
Average and median fees come from CarEdge and Edmunds; complaint figures from the CFPB. “Hot spot” is DrivrShield’s composite, not an official ranking, and “above cap” is a lead, not proof of wrongdoing. Full sources are on the map page. Data as of 2026-09-22.
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