How Cities in Texas Ranked Based on Auto Insurance Costs

Find the Cheapest Auto Insurance Quotes in Your Area

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There are many things that can impact the cost of you insuring your car in Texas, such as where you live and park it. We analyzed rates using a 30 year-old man as the benchmark motorist across multiple insurers in nearly 300 cities to evaluate the impact of location on costs. We found that our sample driver's quotes ranged by as much as 67% between Houston and Memphis, which translated into a $372 difference in annual premium for him. Houston ranked as the most expensive city while Memphis was the least expensive for our driver.

Least Expensive Places

The five cities we identified as the most affordable location all have something in common: lower population density as well as lower average travel time to work in comparison with the most expensive cities. Geographically speaking, they are all situated northwest of Dallas and Austin. For our sample motorist, just living in any one of these cities would make his rates $100+ lower than his average cost ($677) in Texas. The average rate we obtained in our study for these places ranged between $550 and $560.

Cities with Lowest Car Insurance Rates in Texas

#1 Memphis

Among the cities we featured in the study, Memphis had the lowest total population and the second lowest population density. Rates here (around $558) were 18% lower than the Texas state average for our sample driver. It is the county seat of Hall County and is located at the junction of US highway 287 and State highway 256. The average time people take to get to work here is around 16 minutes.

#2 Ballinger

The county seat of Runnels County, Ballinger had the second lowest annual costs on our study. For our sample 30 year-old, quotes here were 17% lower than the Texas state average costs and totaled around $561 for a 12-month policy. The average commute time here is around 18 minutes.

#3 Childress & Denver City

Just fractionally more expensive than Ballinger, Childress and Denver City tied as our third least expensive places for insurance coverage. Again using our benchmark motorist, quotes in Childress and Denver City were around $563 to insure a car for a year. In comparison with the state average, costs in these two cities was 17% less costly compared to the typical spot in Texas.

#5 Spearman

Rounding out our study's five least expensive Texas cities is Spearman, the county seat of Hansford County. It is situated at the northernmost tip of Texas, just 27 miles south of the Texas-Oklahoma state border. Our motorist’s average annual insurance rates here were around $564. The average time to travel to work in Spearman is around 17 minutes.

Most Expensive Places

Our sample driver found his most expensive quotes in these five cities, which are all located southeast of the state capital. We found his average annual auto insurance rates in these cities to be $200 to $300 higher than the state average costs. In other words, all things equal, costs for the same coverage on the same car was 32% higher than the Texas mean. Overall, these five cities have a much higher population density and average commute time than the least expensive places.

Cities with Highest Car Insurance Rates in Texas

#1 Houston

The most populous city in Texas, Houston, is where our sample driver found his insurance to be the most expensive out of 293 locations. Our benchmark 30 year old driver's rates were $930 for a 12-month policy and 37% higher than the state average. As much as 72% of its 2 million residents drive alone to work, with an average commute time of 26 minutes – the longest among our 10 featured cities.

#2 McAllen

Lower than Houston but also in the $900 range, the average cost in McAllen was around $915 for our profiled motorist, which placed it as the second most expensive on our list. Our sample driver’s quotes here were 35% higher than the state’s average. McAllen’s population numbers around 135,000, and its population density is the second highest among our featured cities, at 2,776 residents per square mile. Average commute time here is around 20 minutes.

#3 Mission

Also a part of Hidalgo County, Mission ranked the third most expensive city to insure our driver's Toyota Camry in Texas, with average annual rates 31% higher than the state’s average. Our benchmark driver’s quotes were around $890 here for a 12-month policy. The average travel time to work in Mission is 24 minutes.

#4 Dallas

The only other major Texas city among our 10 featured cities, Dallas’s average annual costs were the 4th most expensive for our sample driver. Costs here averaged 29% higher than the state average; the annual cost for the example driver in our study was $873 for 12 months of coverage. The average commute time here is the second highest among the featured cities: 25 minutes.

#5 Richmond

Roughly 40 minutes away from Houston is our 5th most expensive city in our insurance study. Our motorist’s quotes here were around $871, nearly $200, or 19%, higher than the state’s average. With a resident count just below 12,000, its population density is higher than that of Mission at around 2,750 per square mile. The average commute time here rounded up to 24 minutes.

How Costs Differ in Texas by Place

We sampled a total of 293 cities and towns in Texas, and found the Texas average annual insurance rate to be $677 for our sample motorist. While the incremental difference between cities can be as little as $1, overall there is a $372 difference between the most expensive and least expensive Texas city. Here is a table that lists all 293 cities with their respective average annual rate, ranked from the lowest to the highest.

Rank

CityAverage Annual Rate% Difference from State Average

1

Memphis$558-18%

2

Ballinger561-17%

3

Childress563-17%

4

Denver City563-17%

5

Spearman564-17%

6

Booker565-16%

7

Munday566-16%

8

Coleman566-16%

9

Haskell567-16%

10

Perryton568-16%

11

Snyder570-16%

12

Shamrock570-16%

13

Spur571-16%

14

Quanah571-16%

15

Colorado City573-15%

16

Wellington573-15%

17

Rotan573-15%

18

McCamey574-15%

19

Borger575-15%

20

Seymour575-15%

21

Matador575-15%

22

Friona576-15%

23

Vernon578-15%

24

Eden578-15%

25

Jayton578-15%

26

Throckmorton579-15%

27

Canadian579-15%

28

Sonora579-15%

29

Monahans580-14%

30

Floydada581-14%

31

Clarendon581-14%

32

Crowell582-14%

33

Big Lake583-14%

34

Silverton583-14%

35

Paducah584-14%

36

Brownfield584-14%

37

Miami584-14%

38

Presidio584-14%

39

Eldorado585-14%

40

Pampa586-13%

41

Morton586-13%

42

Aspermont587-13%

43

Sterling City587-13%

44

Van Horn588-13%

45

Alpine588-13%

46

Dumas588-13%

47

Ralls589-13%

48

Robert Lee590-13%

49

Fort Davis590-13%

50

Sweetwater590-13%

51

Seminole591-13%

52

Dalhart591-13%

53

Kermit591-13%

54

Fort Stockton592-13%

55

Clyde592-13%

56

Pecos592-13%

57

Post592-12%

58

Littlefield593-12%

59

Brady593-12%

60

Garden City594-12%

61

Hereford594-12%

62

Ozona594-12%

63

Muleshoe594-12%

64

San Angelo594-12%

65

Mertzon595-12%

66

Lamesa595-12%

67

Gail596-12%

68

Dimmitt596-12%

69

Stratford596-12%

70

Plainview596-12%

71

Dryden597-12%

72

Albany597-12%

73

Breckenridge598-12%

74

Stanton599-12%

75

Crane599-11%

76

Tahoka602-11%

77

Comanche603-11%

78

Anson604-11%

79

Panhandle605-11%

80

Hartley605-11%

81

Junction606-11%

82

Tulia606-10%

83

Fort Hancock610-10%

84

Andrews611-10%

85

Menard612-10%

86

Levelland612-10%

87

Cisco613-10%

88

Brownwood614-9%

89

Bowie614-9%

90

Graham615-9%

91

Goldthwaite616-9%

92

Midland616-9%

93

Big Spring617-9%

94

Claude619-9%

95

Guthrie620-8%

96

Whitney621-8%

97

Vega622-8%

98

Clifton622-8%

99

Holliday626-8%

100

Wichita Falls627-7%

101

Hamilton628-7%

102

Mexia630-7%

103

Mineral Wells633-6%

104

La Grange635-6%

105

Mason635-6%

106

Abilene637-6%

107

San Saba638-6%

108

Henrietta639-6%

109

Jacksboro641-5%

110

Kerrville643-5%

111

Sulphur Springs644-5%

112

Glen Rose649-4%

113

Del Rio649-4%

114

Gatesville649-4%

115

Paris650-4%

116

Fairfield651-4%

117

Stephenville653-4%

118

Kenedy653-4%

119

Lampasas653-4%

120

Cooper653-4%

121

Gainesville654-3%

122

Rocksprings655-3%

123

Brackettville656-3%

124

Bonham656-3%

125

Mentone657-3%

126

Malakoff657-3%

127

Gonzales657-3%

128

Buffalo657-3%

129

Leakey659-3%

130

Columbus661-2%

131

Tennessee Colony662-2%

132

Hearne662-2%

133

Killeen663-2%

134

Uvalde663-2%

135

Emory663-2%

136

Cuero664-2%

137

Weatherford664-2%

138

Beeville665-2%

139

Belton665-2%

140

Palestine665-2%

141

Marlin665-2%

142

Denison666-2%

143

Clarksville667-1%

144

Smithville669-1%

145

Giddings671-1%

146

Sherman671-1%

147

Llano6740%

148

Edna6740%

149

Brenham6740%

150

Waco6740%

151

Mount Pleasant6750%

152

Odessa6750%

153

Corsicana6760%

154

Athens6760%

155

Fredericksburg6770%

156

Three Rivers6780%

157

El Paso6790%

158

Comfort6790%

159

Atlanta6790%

160

Rockdale6800%

161

Caldwell6800%

162

Daingerfield6800%

163

Goliad6801%

164

Pearsall6821%

165

Seguin6831%

166

Refugio6851%

167 Bandera

6861%

168

Commerce6861%

169

Mount Vernon6872%

170

Center6882%

171

Rusk6892%

172

Bastrop6892%

173

Hallettsville6892%

174

Taylor6902%

175

Lockhart6912%

176

San Marcos6922%

177

College Station6922%

178

Quitman6932%

179

Cotulla6932%

180

Texarkana6932%

181

Lexington6932%

182

Floresville6942%

183

Amarillo6943%

184

Crockett6943%

185

San Augustine6953%

186

Canton6963%

187

Pittsburg6973%

188

Greenville6973%

189

Jacksonville6973%

190

Bellville6983%

191

El Campo6983%

192

Ben Wheeler6983%

193

Jefferson6993%

194

Cleburne7003%

195

Pleasanton7003%

196

Bryan7003%

197

Carrizo Springs7003%

198

Burnet7013%

199

Sealy7013%

200

Hondo7014%

201

Tilden7024%

202

Decatur7034%

203

Granbury7054%

204

Crystal City7085%

205

Lubbock7085%

206

Madisonville7105%

207

Carthage7125%

208

Blanco7125%

209

Castroville7135%

210

Poteet7135%

211

Denton7145%

212

Freer7156%

213

Canyon Lake7156%

214

Kyle7156%

215

Wharton7186%

216

Joshua7206%

217

Newton7206%

218

Quinlan7217%

219

Garrison7237%

220

Trinity7237%

221

Livingston7257%

222

Hemphill7267%

223

Nacogdoches7277%

224

Victoria7287%

225

Navasota7298%

226

Round Rock7308%

227

Laredo7308%

228

Henderson7328%

229

Lufkin7348%

230

Huntsville7389%

231

Port Lavaca7389%

232

Universal City74110%

233

Rockport74210%

234

Gilmer74410%

235

Waxahachie74410%

236

Jasper74710%

237

Woodville74710%

238

Kingsville74810%

239

Ingleside74811%

240

Shepherd75011%

241

Lewisville75211%

242

Marshall75311%

243

Falfurrias75612%

244

Bay City75712%

245

Palacios75812%

246

Tyler76313%

247

Longview76413%

248

Zapata76814%

249

Van Vleck76914%

250

Lake Jackson77214%

251

Alice77314%

252

McKinney77514%

253

Fort Worth77514%

254

Conroe77515%

255

Kaufman77615%

256

Eagle Pass77615%

257

North Richland Hills77715%

258

Austin78015%

259

Hempstead78115%

260

Allen78616%

261

Ferris78716%

262

Arlington78816%

263

Plano79017%

264

Rockwall79517%

265

Sarita79818%

266

Pearland80018%

267

Guerra80319%

268

Silsbee80719%

269

Carrollton81420%

270

Raymondville81420%

271

San Antonio82021%

272

Liberty82522%

273

Rio Grand City82522%

274

Corpus Christi83323%

275

Dickinson83624%

276

Winnie83724%

277

Orange84425%

278

Brownsville84625%

279

Galveston84825%

280

Harlingen85526%

281

Los Fresnos85626%

282

Sugar Land85727%

283

Mesquite86027%

284

Beaumont86227%

285

Needville86428%

286

Irving86528%

287

Spring86928%

288

Humble86928%

289

Richmond87129%

290

Dallas87329%

291

Mission89031%

292

McAllen91535%

293

Houston93037%

How We Conducted the Study & Texas Minimum Coverage Requirements

The rates used in this study were obtained from Texas Department of Insurance data. The rates included estimated premiums from 28 auto insurance companies licensed in Texas, for a male driver in his 30s living in each of the 314 zip codes that spread across 293 cities.

For the purpose of the study – to see how cities in Texas ranked based on auto insurance costs – we kept the driver profile as well as policy coverage consistent, changing only the location where the cost was obtained. The coverage amount used is just above the Texas state minimum insurance requirements. The comparison is listed in the following table:

Coverage Type

TX Min. LimitsStudy Limits

Bodily Injury

$30,000 per person / $60,000 per accident$50,000 per person / $100,000 per accident

Property Damage

$25,000 per accident$50,000 per accident

Sources:

  • Census Population and Commute Time: http://www.census.gov/quickfacts/
  • Texas Department of Insurance: http://www.tdi.texas.gov/

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.