Overview Of Auto Insurance Costs By City In Texas

Texas, the second-largest state in the United States in both area and population, hosts a diverse range of cities, each with unique factors affecting auto insurance rates. Understanding these variations is crucial for residents and potential movers to make informed insurance choices.

Factors Influencing Auto Insurance Costs

Several factors impact Texas auto insurance costs:

  • Demographics: Age, gender, and marital status can influence rates.
  • Driving History: Past accidents or violations can raise premiums.
  • Vehicle Type: High-value or high-performance vehicles typically incur higher insurance costs.
  • Credit Score: A higher credit score can lead to lower rates.
  • Coverage Level: More comprehensive coverage results in higher premiums.

Major Texas Cities and Their Insurance Costs


Houston, the largest city in Texas, is known for its heavy traffic and higher-than-average accident rates. These factors contribute to its relatively high auto insurance rates. According to recent data, the average annual auto insurance premium in Houston is around $1,500 to $2,000. The diverse population and high vehicle density significantly impact these rates. 

Read: The Ultimate Guide to Renting a Car at Houston Airport

San Antonio

San Antonio, blending rich history with modern attractions, has slightly lower insurance costs compared to Houston. The average premium here ranges between $1,300 and $1,800 annually. Factors such as lower traffic congestion and a smaller population density contribute to these comparatively lower rates.


Dallas, a bustling economic hub, experiences a mix of urban and suburban driving conditions. Insurance rates in Dallas are on par with Houston, with averages between $1,500 and $2,000 annually. The rates reflect the city’s high traffic volumes and the associated risk of accidents.


Austin, the state capital, known for its vibrant music scene and tech industry, has moderately high insurance costs. The average annual premium ranges from $1,400 to $1,900. Factors like a growing population and an increasing number of tech commuters influence these rates.

Read: Ultimate Guide To Car Rental in Austin

Fort Worth

Fort Worth offers a blend of Texas history and modernity. It typically has lower auto insurance rates compared to Dallas, with averages ranging from $1,200 to $1,700 annually. The lower rates can be attributed to less traffic congestion and a smaller metropolitan area.

El Paso

Located in far West Texas, El Paso stands out for its lower insurance rates, averaging between $1,100 and $1,500 annually. The city’s lower population density and reduced traffic issues contribute to these favourable rates.


Arlington, situated between Dallas and Fort Worth, hosts a significant number of commuters. The average auto insurance rates here range from $1,300 to $1,800 annually. The city’s status as a commuter hub affects its insurance costs.

Corpus Christi

Corpus Christi, a coastal city, has relatively low auto insurance rates, averaging between $1,200 and $1,600. Its lower risk of road accidents and a more relaxed driving environment contribute to these rates.


The cost of auto insurance in Texas’s major cities reflects a combination of demographic factors, driving environments, and individual city characteristics. Urban areas like Houston and Dallas tend to have higher rates due to denser traffic and higher accident risks. In contrast, cities like El Paso and Corpus Christi enjoy lower premiums due to their more relaxed driving conditions and lower population densities. Texas drivers must consider these factors when choosing insurance, ensuring adequate coverage while managing costs.

This overview provides a general understanding of the TX auto insurance locations across major Texan cities. For a more comprehensive analysis, one would need to delve into specific data sets and conduct a city-wise detailed study.