10 Cheapest Cities for Car Insurance in Texas
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While everything is known to be bigger in Texas, that’s not always the case when it comes to auto insurance premiums.
So, where can you find car insurance that won’t break the bank in the Lone Star state? Let’s take a closer look at the 10 cheapest cities for car insurance in Texas.
The average cost of car insurance in Big Spring, Texas is $42 per month. That’s $23 per month less than the average cost to insure your vehicle throughout Texas.
Insurance companies determine premium rates based on the prevalence of crime in the area, road safety, the number of drivers, access to off-street parking, and community laws. With that, Big Spring is able to offer the right combination of factors that leads to lower auto insurance rates.
Plainview residents enjoy a relatively low average monthly car insurance premium of $44 per month. That’s about $37 less than the average driver in the U.S.
Of course, you could pay more or less than the average based on your unique driving record. But a favorable mix of road safety, local laws, number of drivers, and crime rates have led to a relatively low car insurance premiums for most Plainview residents.
Residents of San Angelo, Texas can expect to pay an average of $45 per month for car insurance. That’s around $20 cheaper than the average for all Texans.
Drivers in Sulphur Springs pay an average of $45 per month for car insurance. When compared to the rest of Texas, that’s an average of $20 in savings each month. But when compared to the rest of the United States, Sulphur Springs drivers are paying about $36/mo less.
At just over an hour from Dallas, Sulphur Springs offers drivers a reprieve from the expensive premiums found in Texas’ most populous city.
Brownwood can be found right in the center of Texas. Residents of this city enjoy relatively affordable car insurance rates. Brownwood residents pay an average of $46 per month for car insurance.
As a driver in Brownwood, you have the chance to tap into average monthly savings of $19 on your car insurance payments when compared to the rest of Texas. But your unique driving record and demographics will impact your rate – so you could end up paying a bit more or a bit less.
In North Texas, Levelland drivers can expect to pay an average of $46 per month for car insurance. That’s around $19 in savings per month for the average driver.
Just 45 minutes from Fort Worth, Mineral Wells offers Texas drivers an affordable car insurance option. On average, Mineral Wells drivers spend $46 per month on car insurance.
Although Mineral Wells saw an increase in auto insurance prices since 2017, the trend reversed in 2022. As of 2022, drivers in Mineral Wells are enjoying their lowest auto insurance premiums in years.
The city of Wichita Falls sits two hours northwest of Dallas. Wichita Falls residents pay an average of $46 per month for car insurance.
You’ll find Canyon Lake around an hour north of San Antonio. The lakefront town offers drivers an average monthly car insurance premium of $49. When compared to the rest of the drivers in Texas, that means you’re paying $16 less per month.
The last city on the list of cheapest car insurance rates in Texas is Belton. Drivers in Belton spend an average of $50 per month on car insurance.
It’s worth pointing out that Temple tied Belton with an average monthly premium of $50.
Here’s an overview of the 10 cheapest cities and their average rates.
|City||Average monthly premium|
While these insurance premiums give you an idea of what you might expect to pay in these more affordable cities, if you want to know how much you’d pay, the best thing to do is get a quote.
Our auto insurance comparison tool will compare the rates of 65+ auto insurance companies in minutes.
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Most Expensive Cities for Car Insurance in Texas
On average, Texans pay less than drivers across the country for car insurance. But not all cities fall on the lower end.
Insurance companies consider an area’s regulations, road safety, local crime rates, population of drivers and access to off-street parking – and much more – when determining car insurance premiums. Beyond that, insurers will calculate premiums based on your unique driving record.
Here is a closer look at the five most expensive cities for car insurance in Texas.
Fort Hood residents pay an average of $82 per month for car insurance. That’s approximately $17 more than the average driver in Texas pays.
Fresno, a part of the greater Houston area, ties Fort Hood for the top spot of most expensive cities for car insurance in Texas.
Residents of Sachse, a suburb of Dallas, pay an average of $80 per month for car insurance. As a driver in this relatively congested area, it only makes sense that insurance companies are charging a bit more for insurance.
Humble,Texas residents pay an average of $78 per month for car insurance. On the outskirts of Houston, drivers are paying more than the average Texan. But Humble residents still pay less than the national average for car insurance premiums.
Rosharon sits on the southside of Houston. Residents of this city pay an average of $78 per month for car insurance.
It’s worth noting that the residents of Tomball pay an average of $78 per month as well. Tomball is also a part of the Houston metropolitan area. With that, 4 of the top 6 most expensive cities in Texas fall within the great Houston area – we can’t say we’re surprised.
Here’s a brief overview of the most expensive cities for car insurance in Texas:
|City||Average monthly premium|
How To Get The Best Car Insurance In Any City
When shopping for car insurance, moving to a different city isn’t the most practical way to lower your car insurance bill. Since relocation isn’t an easy option for most, it’s a good thing that comparison shopping for car insurance is easy to do no matter where you live.
We make it easy to shop around for the best car insurance rates with our auto insurance comparison tool. Simply enter your information, compare companies, and lock in the best rate. It will only take a few minutes to find the most affordable car insurance for your unique situation.
What are you waiting for? Find the best car insurance rate today!
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