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How Cities in Texas Ranked Based on Auto Insurance Costs

Contents

Least Expensive Places
Most Expensive Places
How Costs Differ in Texas
How We Conducted the Study

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.

RankCityAverage Annual Rate% Difference from State Average
1 Memphis $558 -18%
2 Ballinger 561 -17%
3 Childress 563 -17%
4 Denver City 563 -17%
5 Spearman 564 -17%
6 Booker 565 -16%
7 Munday 566 -16%
8 Coleman 566 -16%
9 Haskell 567 -16%
10 Perryton 568 -16%
11 Snyder 570 -16%
12 Shamrock 570 -16%
13 Spur 571 -16%
14 Quanah 571 -16%
15 Colorado City 573 -15%
16 Wellington 573 -15%
17 Rotan 573 -15%
18 McCamey 574 -15%
19 Borger 575 -15%
20 Seymour 575 -15%
21 Matador 575 -15%
22 Friona 576 -15%
23 Vernon 578 -15%
24 Eden 578 -15%
25 Jayton 578 -15%
26 Throckmorton 579 -15%
27 Canadian 579 -15%
28 Sonora 579 -15%
29 Monahans 580 -14%
30 Floydada 581 -14%
31 Clarendon 581 -14%
32 Crowell 582 -14%
33 Big Lake 583 -14%
34 Silverton 583 -14%
35 Paducah 584 -14%
36 Brownfield 584 -14%
37 Miami 584 -14%
38 Presidio 584 -14%
39 Eldorado 585 -14%
40 Pampa 586 -13%
41 Morton 586 -13%
42 Aspermont 587 -13%
43 Sterling City 587 -13%
44 Van Horn 588 -13%
45 Alpine 588 -13%
46 Dumas 588 -13%
47 Ralls 589 -13%
48 Robert Lee 590 -13%
49 Fort Davis 590 -13%
50 Sweetwater 590 -13%
51 Seminole 591 -13%
52 Dalhart 591 -13%
53 Kermit 591 -13%
54 Fort Stockton 592 -13%
55 Clyde 592 -13%
56 Pecos 592 -13%
57 Post 592 -12%
58 Littlefield 593 -12%
59 Brady 593 -12%
60 Garden City 594 -12%
61 Hereford 594 -12%
62 Ozona 594 -12%
63 Muleshoe 594 -12%
64 San Angelo 594 -12%
65 Mertzon 595 -12%
66 Lamesa 595 -12%
67 Gail 596 -12%
68 Dimmitt 596 -12%
69 Stratford 596 -12%
70 Plainview 596 -12%
71 Dryden 597 -12%
72 Albany 597 -12%
73 Breckenridge 598 -12%
74 Stanton 599 -12%
75 Crane 599 -11%
76 Tahoka 602 -11%
77 Comanche 603 -11%
78 Anson 604 -11%
79 Panhandle 605 -11%
80 Hartley 605 -11%
81 Junction 606 -11%
82 Tulia 606 -10%
83 Fort Hancock 610 -10%
84 Andrews 611 -10%
85 Menard 612 -10%
86 Levelland 612 -10%
87 Cisco 613 -10%
88 Brownwood 614 -9%
89 Bowie 614 -9%
90 Graham 615 -9%
91 Goldthwaite 616 -9%
92 Midland 616 -9%
93 Big Spring 617 -9%
94 Claude 619 -9%
95 Guthrie 620 -8%
96 Whitney 621 -8%
97 Vega 622 -8%
98 Clifton 622 -8%
99 Holliday 626 -8%
100 Wichita Falls 627 -7%
101 Hamilton 628 -7%
102 Mexia 630 -7%
103 Mineral Wells 633 -6%
104 La Grange 635 -6%
105 Mason 635 -6%
106 Abilene 637 -6%
107 San Saba 638 -6%
108 Henrietta 639 -6%
109 Jacksboro 641 -5%
110 Kerrville 643 -5%
111 Sulphur Springs 644 -5%
112 Glen Rose 649 -4%
113 Del Rio 649 -4%
114 Gatesville 649 -4%
115 Paris 650 -4%
116 Fairfield 651 -4%
117 Stephenville 653 -4%
118 Kenedy 653 -4%
119 Lampasas 653 -4%
120 Cooper 653 -4%
121 Gainesville 654 -3%
122 Rocksprings 655 -3%
123 Brackettville 656 -3%
124 Bonham 656 -3%
125 Mentone 657 -3%
126 Malakoff 657 -3%
127 Gonzales 657 -3%
128 Buffalo 657 -3%
129 Leakey 659 -3%
130 Columbus 661 -2%
131 Tennessee Colony 662 -2%
132 Hearne 662 -2%
133 Killeen 663 -2%
134 Uvalde 663 -2%
135 Emory 663 -2%
136 Cuero 664 -2%
137 Weatherford 664 -2%
138 Beeville 665 -2%
139 Belton 665 -2%
140 Palestine 665 -2%
141 Marlin 665 -2%
142 Denison 666 -2%
143 Clarksville 667 -1%
144 Smithville 669 -1%
145 Giddings 671 -1%
146 Sherman 671 -1%
147 Llano 674 0%
148 Edna 674 0%
149 Brenham 674 0%
150 Waco 674 0%
151 Mount Pleasant 675 0%
152 Odessa 675 0%
153 Corsicana 676 0%
154 Athens 676 0%
155 Fredericksburg 677 0%
156 Three Rivers 678 0%
157 El Paso 679 0%
158 Comfort 679 0%
159 Atlanta 679 0%
160 Rockdale 680 0%
161 Caldwell 680 0%
162 Daingerfield 680 0%
163 Goliad 680 1%
164 Pearsall 682 1%
165 Seguin 683 1%
166 Refugio 685 1%
167 Bandera 686 1%
168 Commerce 686 1%
169 Mount Vernon 687 2%
170 Center 688 2%
171 Rusk 689 2%
172 Bastrop 689 2%
173 Hallettsville 689 2%
174 Taylor 690 2%
175 Lockhart 691 2%
176 San Marcos 692 2%
177 College Station 692 2%
178 Quitman 693 2%
179 Cotulla 693 2%
180 Texarkana 693 2%
181 Lexington 693 2%
182 Floresville 694 2%
183 Amarillo 694 3%
184 Crockett 694 3%
185 San Augustine 695 3%
186 Canton 696 3%
187 Pittsburg 697 3%
188 Greenville 697 3%
189 Jacksonville 697 3%
190 Bellville 698 3%
191 El Campo 698 3%
192 Ben Wheeler 698 3%
193 Jefferson 699 3%
194 Cleburne 700 3%
195 Pleasanton 700 3%
196 Bryan 700 3%
197 Carrizo Springs 700 3%
198 Burnet 701 3%
199 Sealy 701 3%
200 Hondo 701 4%
201 Tilden 702 4%
202 Decatur 703 4%
203 Granbury 705 4%
204 Crystal City 708 5%
205 Lubbock 708 5%
206 Madisonville 710 5%
207 Carthage 712 5%
208 Blanco 712 5%
209 Castroville 713 5%
210 Poteet 713 5%
211 Denton 714 5%
212 Freer 715 6%
213 Canyon Lake 715 6%
214 Kyle 715 6%
215 Wharton 718 6%
216 Joshua 720 6%
217 Newton 720 6%
218 Quinlan 721 7%
219 Garrison 723 7%
220 Trinity 723 7%
221 Livingston 725 7%
222 Hemphill 726 7%
223 Nacogdoches 727 7%
224 Victoria 728 7%
225 Navasota 729 8%
226 Round Rock 730 8%
227 Laredo 730 8%
228 Henderson 732 8%
229 Lufkin 734 8%
230 Huntsville 738 9%
231 Port Lavaca 738 9%
232 Universal City 741 10%
233 Rockport 742 10%
234 Gilmer 744 10%
235 Waxahachie 744 10%
236 Jasper 747 10%
237 Woodville 747 10%
238 Kingsville 748 10%
239 Ingleside 748 11%
240 Shepherd 750 11%
241 Lewisville 752 11%
242 Marshall 753 11%
243 Falfurrias 756 12%
244 Bay City 757 12%
245 Palacios 758 12%
246 Tyler 763 13%
247 Longview 764 13%
248 Zapata 768 14%
249 Van Vleck 769 14%
250 Lake Jackson 772 14%
251 Alice 773 14%
252 McKinney 775 14%
253 Fort Worth 775 14%
254 Conroe 775 15%
255 Kaufman 776 15%
256 Eagle Pass 776 15%
257 North Richland Hills 777 15%
258 Austin 780 15%
259 Hempstead 781 15%
260 Allen 786 16%
261 Ferris 787 16%
262 Arlington 788 16%
263 Plano 790 17%
264 Rockwall 795 17%
265 Sarita 798 18%
266 Pearland 800 18%
267 Guerra 803 19%
268 Silsbee 807 19%
269 Carrollton 814 20%
270 Raymondville 814 20%
271 San Antonio 820 21%
272 Liberty 825 22%
273 Rio Grand City 825 22%
274 Corpus Christi 833 23%
275 Dickinson 836 24%
276 Winnie 837 24%
277 Orange 844 25%
278 Brownsville 846 25%
279 Galveston 848 25%
280 Harlingen 855 26%
281 Los Fresnos 856 26%
282 Sugar Land 857 27%
283 Mesquite 860 27%
284 Beaumont 862 27%
285 Needville 864 28%
286 Irving 865 28%
287 Spring 869 28%
288 Humble 869 28%
289 Richmond 871 29%
290 Dallas 873 29%
291 Mission 890 31%
292 McAllen 915 35%
293 Houston 930 37%

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 TypeTX 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/

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